davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Nudge Funding, LLC (CO)

I successfully completed a conventional refinance with Box Home Loans ( https : //www.boxhomeloans.com/ ) two days ago, but the process was mired with delays and irregularities that I feel need be investigated by the CPFB. 

On XX/XX/2020, I submitted an application with a 60 day lock for a conventional refinance for two of my investment properties. During the application, it was noted that due to their rates being slightly lower than the market average, it was essential that all requested documentation be uploaded within a timely manner. Within 48 hours, I submitted all initial documentation through the website. 

On XX/XX/XXXX, I received an email from my assigned loan officer, XXXX XXXX, containing a link to a video with a message from the CEO. In the video, the CEO explains that due to heavy application volume, " Refinance loans, in some cases, may take up to 90 days, '' which would imply a closing date no later than XX/XX/XXXX. Given that knowledge, I continued my application with Box Home Loans. 

On XX/XX/XXXX, I was given notice that my application was submitted to underwriting for initial review. My application was not reviewed by underwriting until XX/XX/XXXX, a period of 82 days from when I submitted my documentation. During this window, I was charged for, and had, an appraisal completed without knowing if my application would be approved. 

During this 82 day window, I would frequently try to contact Box for updates on my loan. Phone calls always went unanswered, but emails were responded to. I was told that due to their pipeline being 500 % of normal, they could not process my loan in a timely manner. I suggested that they slow or stop taking new applications so they could focus on completing the existing ones, but this fell recommendation was not implemented. 

On XX/XX/XXXX, I was assigned a loan processor who had a couple requests for followup documentation. I provided all documentation to her within 24 hours and the file was resubmitted to final underwriting. It took until XX/XX/XXXX until my loan was cleared to close by underwriting. We are now on day 118 of this process, even though the CEO I should expect no more than 90. And I feel like this would have been slower were it not for what seemed like my incessant haranguing of my loan officers. The loan funded on day 120. According to XXXX XXXX, conventional refinances in XXXX took an average of 54 days.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am very aggravated with the credit reporting buraus, it impossible to remove the fraud alert from my own account, initially they remove the fraud alert from my account but after couple of day repair on my credit report again which prevents my landlord to pool my credit records do to of the fraud alert. Its been more than a month sins I've been trying to remove those alerts that spose to " protect '' my identity, instead it makes my life so stressful.
Consumer complaint received 2019-04-18
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 (NJ)

XXXX. ) Submitted a specific dispute disputing a portion of a charge by a merchant. 
XXXX. ) The dispute contained the name of the cashier, and the items in dispute. 
XXXX. ) The dispute specifically, advised that the items were crushed/damaged by the cashier. 
XXXX. ) The merchant provided a tacky photocopy of a return/refund policy, however, it of course, fails to address refunds for products damaged while cashier is packing the groceries. 

XX/XX/XXXX Capital One Disputes VIA FACSIMILE- XXXX Case Number : XXXX Merchant : XXXX XXXX Date of Transaction : XX/XX/XXXX Disputed Amount : {$26.00} Dear Sir or Madam : Please be advised that XXXX continue to dispute the above referenced case number, neither myself or anyone else authorized by me has signed for nor received the merchandise included in my original dispute. Merchant provided a tacky photocopy of a return/refund policy. However, the policy fails to advise as to how they handle refunds for products damaged while the untrained cashier packs the groceries. 

As mentioned in the original complaint, the cashier XXXX attempted to pack numerous items in one bag causing damage to a sandwich, doughnut container and yogurt parfait cups. Therefore, liability for this action rests in the hands of the merchant and not the customer.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

XXXX on numerous occasions have unethical banking practices and has misappropriated funds. XXXX has discriminated against me as a customer and consumer, XXXX is recorded retaliating against me and violated my banking rights. XXXX in multiple instances have not properly adjudicated claims according to the law, have charged fees that were not owed. When I raised complaints with Customer Service Management, Corporate Office ( XXXX XXXX XXXX XXXX ) and XXXX XXXX, regarding being harassed by a XXXX associate, my Privacy rights being violated and being antagonized and hung up on by Associates and ultimately disrespected. My phone calls are being evaded, I am prevented from speaking with and opening complaints with the Executive Unit and not being allowed to inquire on my accounts. I have been prevented access from my own funds and not allowed to view my transactions. I was charged banking fees to my Checking account erroneously and most recently a claim for {$230.00} was not adjudicated according to California State guidelines. In addition, My secured credit card was closed due to retaliation due to my advising I will seek legal advice. My funds have not been returned and open claims have not been legally resolved. My XXXX XXXX  was not graduated to a revolving account as advised and after consistent on time payments in which I called and made numerous complaints with no response nor solution from XXXX. 
XXXX has blatantly misrepresented and attacked my character and made false claims as a means to cover up their unethical bank practices, conduct and illegal activities. I have been unable to view, access and perform transactions on my account. I have been prevented from escalating to the department that investigates disputes. My Consumer rights have been grossly violated and XXXX has performed in a criminal capacity as well. There is legally recorded evidence as well as written. 
Past incident dates include but are not limited to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

Hello my name is XXXX XXXX XXXX XXXX and my complaint is about Us Bank XXXX XXXX. I have been sending them my info for account card id XXXX. I sent them my Id, Ssc, Signed statement and a W2 and its been over 5 weeks and my account is still locked with my unemployment within in it .I am going through enough hard times as it is for this to be happening .I called several times and faxed and I do not get any clear answers at all from them on why my account is locked and why I can't have my funds that were deposited at all. Is there anything you can do to resolve this issue. my number is XXXX my email is XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Lexis Nexis and XXXX XXXX  are willingly violating my FCRA rights because they are willingly and knowingly reporting inaccurate false information that I have previously disputed. They are reporting that I have a Eviction or Judgement under the ( Suits & Judgments for Eviction, Possession and/or Non-Payment of Rent Report section ) of their report and this is misleading and inaccurate. Preventing me and my kids from getting a home. 

As you will see, this was a judgement for a " XXXX '' loan through XXXX XXXX that was resolved and included in my bankruptcy that has been XXXX. 

A Car loan is not related to an " eviction, possession and/or Non Payment of Rent ''. Furthermore it is not lawful to report information that was XXXX in a bankruptcy.
Consumer complaint received 2019-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WI)

I reached out to my bankruptcy attorney worried that I was falling behind with my payments he told me to start making the payments & if I needed to include the mortgage in my bankruptcy then we would do that we just had to wait for Flagstar I started sending the money orders and last month I got them back with a letter telling me that my loan is not active with Flagstar Bank - I then received a call from my attorney at the XXXX XXXX in Wisconsin on XX/XX/19 they stated that Flagstar told them that I stopped sending the payments in XXXX, also my attorney verified that I was sending the payments to the correct address that was listed on the bill which I have also included here. Around this time I also got a manilla folder from there attorneys XXXX XXXX XXXXXXXX which I have included in this complaint.
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (WY)

They keep calling and they do not state that they are a debt collector in their messages that they leave on my voicemail machine I have a recorded voicemail from them they also leave the account number on there in the voicemail without even verify that I am the person that they are seeking they keep calling at ungodly hours and not claiming to be a debt collector
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying to get a loan modification with SPS. When I speak to the lender they always say that the loan is in default and has been referred to an attorney. However, I have received modification papers and made the first trial payment at this time. ( The second payment is not yet due ) When I remind them of this they then tell me my ex-husband must sign the paperwork as he was the original person on the loan. My divorce was finalized prior to the loan modification and my ex-husband quit claimed the property to me. These documents were sent to SPS in XXXX when I started the modification process. The trial modification paperwork that SPS sent to me identified my ex-husband as the original borrower and me as the new borrower. They requested and was sent finalized divorce statement and the quit claim documents again but they are still dragging their feet about recognizing me as the new borrower. Since he quit claimed the property to me he is irrelevant in regards to this loan. My ex is lives in another country and is not easily accessible.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (TX)

This is for all three big business bureaus XXXX, XXXX, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX XXXX  XXXX  open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there XXXX Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get XXXX app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX  had and it did this in town the XXXX I have not received it yet I have a membership at XXXX  and XXXX that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security
Consumer complaint received 2019-04-18
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. (NH)

XXXX is validating information form a creditor that is false. I asked for credit applications, signatures, bills etc from the creditor, they did not produce them and XXXX validates bogus information. 

They also report on things that were paid off and do not update. properly. They also will not let me re dispute, so it stays on my good name without any recourse to them.
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I want to Report XXXX XXXX credit card this was 10 yr ago they took it out of my credit report now they using portfolio I never did no contract with this company and now they report it again its coming out like a new debt report again. I have a kid with XXXX 10 yr ago couldnt paid. On the 3 credit report is coming out again. They need to take all this out of my credit report deleted. Thanks
Consumer complaint received 2019-04-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vengroff Williams, Inc (CA)

XX/XX/2019 XXXX Receives Customer Rebuttal to Response ( The consumer indicated he/she DID NOT accept the response from the business. ) Vengroff states in their response that " no answer ''. I answered my phone XXXX XXXX PT from XXXX with a woman who identified herself as " XXXX '' from Vengroff. She stated that I had been leaving message with the wrong office, so she did not get them. I advised XXXX that I was at work and I would be open to calling her tomorrow, Friday XX/XX/XXXX. She stated that I could call her using the # on my caller ID and that her office is very busy and small. That someone would get back to me when they could. The biggest concern I had with the phone call is XXXX advised me that it was a recorded line ; however, she did not utilize the Mini Miranda or advise that she was attempting to collect the debt. 

XX/XX/2019 Forward Business Response to Customer XX/XX/2019 Receive Business Response Vengroff Williams has investigated has reviewed the complaint. Our offices has attempted to contact the consumer at the number provided and reached no answer. The consumer may contact our offices @ XXXX or XXXX XXXX XXXX to XXXX XXXX  EST. 

XX/XX/2019 Notify Business of Dispute XX/XX/2019 Send Acknowledgement to Consumer XX/XX/2019 Case Reviewed by XXXX XX/XX/2019 Case Received by XXXX ( Less ) Case Description : Obtained notice of a debt by XXXX XXXX provided to VWI. Attempted to call VWI 3 times over a 3 week period with no response to resolve. Left VM Purchased a sales agreement from XXXX XXXX on a XXXX XXXX. When the car was stolen, the vehicle service agreement reimbursement was wrongfully issued to me ( per XXXX ). XXXX turned the proposed debt to Vengroff Williams Inc. I received notification of the debt in XX/XX/2019. I have lft VM 's for Vengroff at XXXX ( which states a medical billing service ). I have talked to XXXX XXXX that states they can not work with me that i must go through Vengroff. Neither entity is willing to help me resolve an issue that XXXX initially created in their own error. Credit is being damaged and I received a collection letter at my place of work. XXXX is being uncooperative and Vengroff is being unresponsive. 

Extra Detailed Info Date of last interaction with business : XX/XX/2019
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I'm having hard time trying to get a my credit report because the credit bureaus have put fraud protection block on my credit report. I would like to get a copy of my full credit report from all 3 Credit Bureaus. ( Experian, XXXX, XXXX ). So i can verfiy the information on my account.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received an email receipt notifying me that a charge of {$970.00} was made on my Back of American credit card and a new account was create at some XXXX XXXX company. The date of this email was XX/XX/2021. I immediately call Bank of America to cancel my credit card and report the fraud. I also called the XXXX company using the phone number in their receipt email and told them it was fraud and to cancel the account. Both the Bank of America and the XXXX company were call XXXX. At then end of my credit card back statement cycle, I saw the bank had taken the money out of my account and paid XXXX. This occurred at the beginning of XXXX. I called the Bank of America back and see why they paid the merchant and was told the fraud report was still under investigation and that within another 30 days it should be resolved and my money put back into my account. I have been calling the bank now for several weeks to get a resolution but they kept telling me that there is no fraud claim even when I give them the claim number. The money was never put back in my Bank of America credit card account even though It should have never been paid in the first place. The bank has offered no resolution or even acknowledged the fact that I submitted a claim. I can still see the claim in the Bank of America app and its in an investigation status. Since the Bank keeps telling me that they dont see a claim and I have to open a new one if I want to report fraud, I am look for help from someone to get my money back and report the terrible customer service I experienced at the Bank of America XXXX Thank you!
Consumer complaint received 2019-04-18
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: Southwest Credit Systems, L.P. (PA)

I have never heard of SW CREDIT SYSTEMS until today when I checked my 3 credit reports. Back in XXXX, this company listed a new collection account not once, but TWICE, days apart on my credit reports. Major hit. 
I dont know this company or this {$250.00} that is attempting to be collected from me. 
Sounds like a huge scam.
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I was charged for something that I did not even ask for and XXXX is refusing to give me a refund. 

The cashier made a mistake and did a money transfer ( which is not what I asked for ) instead of printing out two money orders. 

She was embarrassed about not knowing how to do a refund or how to fix the situation, so she told the manager that I asked for a money transfer ( which I did not ). 

I disputed it with my bank but they denied my claim due to " XXXX sent us an invoice for two money transfers ''. Even though I asked for money orders not tranfers, and I did not receive anything that I paid for that day at XXXX and my account is now negative over {$3000.00}.
Consumer complaint received 2019-04-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Last year I found out that Bank of America incorrectly used my Social Security Number and it has caused XXXX for me. This made me not be able to out an account at the time. It took over 2 months to resolve, they sent me a letter and said its 100 % resolved. I've never had an account with them and never will. 

Most recently I went to apply for credit and they state that the problem is still there and will not close it until its remove. Bank of America will not respond after XXXX complaints. I also called bank of America directly and they wont help me because I dont have an account. Obviously I dont but I still need help. On top of all this I filed a complaint on their site with no response. Personally I just need help to take action against this company. It's absolutely ridiculous that it takes contacting your agency for this poor institution to do anything. I really need help otherwise I can not close my loan.
Consumer complaint received 2019-02-07
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. (NC)

On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate 16 errors on my credit report. Over 30 days have passed, and I have not yet received a response. They are required, by law, to respond within 30 days.