davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/2019, I received a derogatory mark on my credit report for supposedly failing to pay {$1700.00} for an emergency room visit from XXXX XXXX XXXX XXXX XXXX. The collection agency is COMNWLTH FIN and I told them this has to be a mistake because I haven't been to an emergency room for over 5 years and I never got any explanation as to what these charges are for. Also, they have recently changed the amount that they said I owed. It originally was at around {$900.00} ( if I remember correctly ) and then months later it jumped to {$1700.00}. This has lowered my credit score and made it very hard for me to get credit for my small self employed business. I am helping to raise XXXX kids with my girlfriend and I can't afford to pay a debt that is either from 6 or 7 years ago but is just now being reported or that isn't mine at all! So far they have not been able to explain to me specifically what these charges are for.
Consumer complaint received 2019-01-07
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. (OH)

Recently my credit application was dismissed, and the online credit report that I recently recieved, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have accounts listed that are not accurate, they are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. 
Reason for Deletion My credit application was denied : when I reviewed my credit history I notice there were no details and I have no documentation or paperwork of ever doing business with the above companies.
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OK)

Complaint details : PHH MORTGAGE SERVICER has changed their payoff quote several times because they alleged they overpaid the insurance premium. 
We sold the house and the title company wired the funds to PHH as of XX/XX/23. 
PHH never credited that they received the funds. They insisted that we pay them $ XXXX. 
They told us they would charge us attorney fees foreclosure fees etc if we did not pay immediately. 
The XXXX XXXX XXXX sent us the refund. 
Because of the confusion I submitted a complaint to the XXXX and PHH response letter indicated that they can not verify they overpaid the insurance and that I can claim the refund. They also said our account was not in foreclosure and that they admit no error. They advised by emailed letter there was an outstanding set of fees totaling {$170.00}. We immediately notified the title company and provided a personal check so the outstanding balance could be wire transferred. 
They would not confirm that the account was satisfied. The escalation department and customer service has advised us that we owe several different amounts. 
I do believe we are entitled to claim the insurance overpayment because according to PHH Website we owed $ XXXX but they made us pay $ XXXX so we thought that was them charging us for what they paid the insurance. I am requesting correction and that they abide by the letter that their research department has sent. We should not be charged anything above the amount demanded in the original pay off quote. We made the payments in good faith and we are not responsible for any errors or miscalculations. PHH held our funds for 30 days before returning to the title company on XX/XX/23. We need immediate intervention and I would also like them to immediately provide a lien release to us. The Title company attempted to send all the funds again this week and the funds were returned by the mortgage SERVICER.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

I HAVE 6 LATE PAYMENTS ON MY FEDERAL STUDENT LOANS. I WROTE TO THEM ( XXXX XXXX ) SAYING THAT THE LATE PAYMENTS IN QUESTION WERE DUE TO APPLYING FOR THE INCOME DRIVEN PAYMENT PLAN AND TO PLEASE REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT. THEY MISTOOK THIS AS ME ASKING TO BE DEFERRED AGAIN ( I HAVE ALREADY BEEN PAYING FOR OVER A YEAR WITHOUT MISSING A PAYMENT ), WHICH I DID NOT WANT.

I JUST WANT THE LATE PAYMENTS REMOVED FROM MY CREDIT REPORT DURING THIS TIME I WAS APPLYING FOR INCOME DRIVEN PAYMENTS, I COULD NOT MAKE THE PAYMENT INSTALLMENTS THEY ASKED OF ME, WHICH IS WHY THE MARKED THE PAYMENTS AS LATE UNTIL MY PAPERWORK WAS COMPLETED.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FIRST NATIONAL BANK OF OMAHA (NE)

My name is XXXX XXXX, we did a wire transfer donation to a refugee school in XXXX from Non profit account name The XXXX XXXX XXXXXXXX XXXX under First National Bank Omaha XXXX. The amount was {$3000.00} transactions dated XX/XX/XXXX, on XX/XX/XXXX, the beneficiary didnt receive the funds so I had called first national bank multiple times they said my money was held they didnt tell me any details or reasons. On XX/XX/XXXX, they still held my money so I requested them to return it back to non profit account. Until today XX/XX/XXXX we still havent received money back and the beneficiary didnt receive it either. First national bank Omaha still hasnt returned money back to us and didnt tell us any reason.
Consumer complaint received 2019-01-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

Recently me and my mother consolidated our loans and there was an agreement. Then I received a letter of litigation saying that they will move to wage garnishment if i dont make a payment. Although my loans are in forebearance for the next 6 months after talking to my mother and taking payments from my mothers account who isnt my original co-signer. Then Im already tied up financially with my federal loans with a wage garnishment already on my paychecks and this has been expressed to Navient and I am still getting hounded and have no idea what to do because after my bills I do not have enough to pay the monthly loan amount.
Consumer complaint received 2020-09-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Ms. XXXX suggested that Wells Fargo was unable to establish contact with me. This is a lie since Wells Fargo has not attempted to contact me. The last time I spoke to them, I was told that XXXX XXXX was handling my case. They have my telephone number as I have been their customer for at least two years if not more. Mr. XXXX did not contact me to tell me someone else was handling my case and no else did either. 

I believe Ms. XXXX is basing her inaccurate information off of XXXX XXXX lie which suggested that I did not want to receive any phone calls ( See Ms . XXXX  first response REQUEST FOR NO MORE PHONE CALLS on page 4 ). What I told Wells Fargo was I wanted a response to the VA form issue in writing ( via email ) instead of a phone call since I did not trust that they would call me back. I also wanted the response in writing in case they decided to change their answer and I suffer the consequences from the VA. Even before this is issue, I was lied to and told someone would call me back. Many of those phone  calls never came. Days before I spoke to XXXX XXXX, I had a long conversation with a Wells Fargo representative and she told me someone would call me back. That call never came and when I called, I was eventually put in contact with XXXX. 

In addition, Ms. XXXX just attached the responses that Ms. XXXX sent without doing any work. I provided an email that contradicted Ms XXXX Horns statement that no evidence that the loan would be completed and boarded by XX/XX/2020. I did not specifically address that date but XXXX XXXX did in the email he sent me. Ms. XXXX did not even address email in her non-response/resolution. 

During a call with a Wells Fargo representative on XXXX XXXX, I was told that during a refinance interest is accrued daily if the payoff is not made by XXXX XXXX CT to Wells Fargo billing. The question that Ms. XXXX and Ms. XXXX have refused to answer is why there was a delay from the refinance office to the billing office which then lead to insufficient funds being available to close out the original loan I am resubmitting my complaint and will continue to resubmit my complaint until Wells Fargo addresses my concerns rather than cherry-pick and provide false narratives to my concerns. Outside of the email from XXXX XXXX, nothing has changed in my complaint.
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

I have never verbally spoken to this company or received any written documentation from XXXX XXXX prior to receiving the attached debt collector letter. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within XXXX days after first contacting you. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days of the first contact. 

Please see attachments ( letters )
Consumer complaint received 2019-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Hi, I filed this complaint because I don't want carrington mortgage services llc to change the loan contract. On XX/XX/XXXX I received a letter from Carrington mortgage services, L.L.C. ( Disclosure statement annual disclosure notice to mortgagor ) copy attached.On the letter says the amount reflected below is the outstanding on the loan for prepayment, also says that amount is subject to further accounting adjustments, and I don't know what they talking about further accounting adjustment, the loan contract is very clear, copy attached, and carrington can not, should not change what the loan contract says and can NOT breach the contract .XXXX  XXXX XXXX XXXX  , XXXX. signed on the year XX/XX/XXXX, then XXXX transfer the loan to carrington, .The letter also include the annual disclosure for FHA/MIP cancellation  notice to mortgagor.This is not the first time I file a complain against carrington , because or they try to breach the contract and change it to their own rules or try to increase the mortgage payments for not reason.If somebody ask me to recomend this company, I will say NO, this company doesn't even deserve one star. 
Also I'm enrolled in another program at XXXX County, that if I live 5 years in the house and no missing any payments, I got a credit, but this program doesn't have anything with carrington and I don't want them to mees with it. 
What I want CFPB to do? : Look and read the XXXX contract and carrington letter, and look if carrington is trying to change the loan contract or breach the contract.., also if carrington doesn't have copy of the XXXX bank contract, they can see it on the complaint.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-01-27
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: ALLY FINANCIAL INC. (WA)

I opened an account with Ally Bank a few years ago, and had only used the XXXX that they provided me with once. It turns out that my XXXX and only usage was with a company that never shipped me my goods. The transaction date was XX/XX/XXXX, and the date I reported this to Ally Bank was XX/XX/XXXX. XXXX 's website for chargeback indicates a 120 day period, but the letter I had received from the bank states, " Our research indicated that the transaction was authorized. The transaction is out of timeframe allowable by the XXXX to initiate a chargeback to the merchant to recover the funds. Please contact the merchant directly for further assistance. '' I have contacted the merchant quite a few times prior to performing the chargeback, and I have sent proof of this to Ally Bank. When I contacted their customer service department, all they could do is repeat what the letter says about the transaction being out of the timeframe allowable - but they could not tell me what that specific timeframe is. In fact, she told me to do a web search if I wanted to know. 

As Ally Bank does not care about their customers being scammed, I will no longer bank with them.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive made contact with XXXX, XXXX  and TransUnion and investigations are in place. XXXX refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.
Consumer complaint received 2019-01-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (FL)

In 2013 my husband applied for a HELOC loan. According to my husband, it would be necessary for me to sign the papers for said loan. I was unsure why, as I am not on the mortgage and I am a homemaker with no monetary income.But, as I was told by the bank and my husband that it was just a " Florida Thing '' and strictly a formality. However, I am on the deed. The entire amount of the loan was deposited in to my husband 's account. I had no access to the HELOC account at all. I am divorcing my husband of 35 years. I have since discovered that the house, mortgage and HELOC are all in arrears, I am once again stuck with the burden of responsibility when I was not ever given any choice in this matter. I called PNC Bank many times and went to more than one branch to try to learn what I could do to bring any and all payments current. So, now my home is being sold and all the penalties that have incurred and the balance owed will be removed from the equity of my home. As well as the HELOC loan, which was not used wisely to say the very least. I just find it very strange and unfair that I can't be given any information about the loans at hand and denied the right when I wanted to pay towards the balance ( s ). But, I will be incurring the responsibilities of the loans and all the penalties just the same. I had no voice so I guess a signature was good until I began asking the questions I am now asking. Just a women, right? I thought in this day and age that unfair treatment because of one 's sexuality and their place in the working world would not have the same stigma and classification it did so many years before. I am sad and ashamed to say that some things have not changed as much as we might believe they have.
Consumer complaint received 2019-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage provider changed from XXXX XXXX   XXXX to Select Portfolio Servicing inc. in XX/XX/XXXX. Since then SPS has sent me a letter every month fraudulently rasing the interest rate over and over again ( 30 letters as of XX/XX/XXXX ). Every letter is the same ( see attached ) and it states : begin quote : INTEREST RATE : We calculated your interest rate by taking a published " index rate : and adding a certain number of percentage points, called the " margin ''. Under your loan agreement, your index rate is 2.33167 % and your margin is 3.10000 %. Your index is 1 YEAR TREASURY CONSTANT MATURITY AVERAGE RATE and is published MONTHLY BY THE FEDERAL RESERVE BOARD. 
end quote : My interest rate never increased with XXXX XXXX ( 3.51 % XX/XX/XXXX ) but ever since SPS took over they've been fraudulently raising the interest rate over and over every month ( 5.43 % XX/XX/XXXX ) and above what it's supposed to be at the current ARM rate. This company is taking advantage of me and fraudulently over charging me. SPS will not stop fraudulently raising my interest rate every month and will keep doing it to take advantage of me. My ARM rate needs to be corrected and adjusted to correctly reflect the current ARM rate. 

SPS fraudulently increased my mortgage payment from {$1300.00} to {$1400.00} on XX/XX/XXXX. Again they increased my mortgage payment from {$1400.00} to {$1500.00} on XX/XX/XXXX. Again they increased my mortgage payment from {$1500.00} to {$1600.00} on XX/XX/XXXX. In a matter of 3 years my mortgage payment has increased {$240.00}. My interest rate is not being correctly adjusted and this needs to be fixed.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

The XXXX XXXX  XXXX account, XXXX XXXX XXXX, and XXXX   XXXX  account was originally deleted from my credit report and now it reappeared back on my credit report.
Consumer complaint received 2018-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This is a complaint against XXXX, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card on with Capital one and the due date is XX/XX/18. I forgot to make a payment and I made the payment on Tuesday, XX/XX/XXXX. I got charged {$25.00} late fee however my contention is that Monday is a federal holiday and regardless of when the payment was made, it will not get posted until Tuesday., I thought charging a late fee is unfair. If Monday is not a federal holiday, I will agree that the payment is late The Federal Reserve allow a day grace period when the due day is on the weekends and Monday is a federal holiday
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (TX)

Starting XXXX XXXX XXXX Robinhood ( invesrnent/stock app ) took it upon themselves to lock my Robinhood account stating they needed to confirm my identity. I supplied all necessary documents and as of today no money. Countless emails corresponding with Robinhood, trying to get access to my money. My direct deposit from my employer went through Robinhood. XXXXXXXX XXXX received email from Robinhood stating a final decision was made and my account would be closed and my money will be deposited. Today XX/XX/, I've received that exact email 5 times. Every transfer I attempt is rejected. I've had to sell off my property to stay afloat. My family is suffering and I need my money.
Consumer complaint received 2019-01-19
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. (TX)

equifax has fail to provide company of my credit history or not accurate information. The creditor i use are not able to access my equifax credit report called several times to get this resolve and nobody seems to know what they are doing. Creditors are pulling fruad alerts or freeze and getting nothing
Consumer complaint received 2022-08-28
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: CL Holdings LLC (GA)

In accordance with the Fair Credit act Jefferson Capital Systems Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-10
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. (NJ)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX