davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IA)

Had home mortgage with Wells Fargo from XXXX. Attempted to work with them when I was transferred for work and needed to sell my home. The process to sell was horrible. I lost 3 buyers because Wells Fargo failed to provide documents to buyer in a timely manner. The entire process took over a year before it was resolved. Was never able to get help online or via telephone, thankfully my new job was inside the Wells Fargo tower headquarters in Minnesota. After months of struggling with loan officers, the bank manger assisted in sending necessary paperwork so I could close on selling. My credit took a significant hit as the time for closing too forever. Additionally I was hit with numerous late fees because of their error.
Consumer complaint received 2019-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

I am enrolled in the Public Service Loan Forgiveness program and currently under an income-based repayment plan. In calculating my eligible payments for PSLF, XXXX is not counting payments that I made prior to being enrolled in PSLF when I was not enrolled in an income-based repayment plan. However, the payments I made prior to being enrolled in income-based repayment plans required much higher monthly payments than my monthly income-based repayments ( sometimes triple the cost ). I have contacted XXXX multiple times, including on XX/XX/2018, XX/XX/2018, and XX/XX/2018. XXXX has been unable to explain to me why these high payments would not count as eligible payments, despite the fact I was not enrolled in income-based based on the advice of my prior loan servicer, XXXX XXXX ( XXXX ). I have my federal tax forms from every year to prove that my calculated income-based payments would have been significantly lower than the repayment plan I was enrolled with at the time. 

Furthermore, I have contacted XXXX a year ago ( XX/XX/2018 ) to request that my payments be reviewed in more detail, and this has still not been done.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc (GA)

I moved into the apartment in XX/XX/2019 I had an all electric apartment the lights would flicker on and off fridge wouldnt get cold heat didnt work I report it numerous times to leasing office and management still no help my XXXX XXXX XXXX daughter got sick and my mom passed away I went to my home city for a few days came back I still wasnt fix but I paid rent for XXXX I asked if I could be reimbursed for my spoiled groceries they told me no and the company didnt come fix the problem until XXXX at this point I wanted to break my lease because the apartment wasnt in living condition I was told that I couldnt nor move to a different unit I still have all the emails, work orders as well a shown payments for the months I lived in apartment.. I was told they would contact the property manager and let me know and never gotten back to me no phone call or email..
Consumer complaint received 2020-02-06
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. (NY)

For over 4 months I have been trying to get an unverified account off my credit report. the accounts are XXXX XXXX and XXXX XXXX XXXX. I have sent 4 letters to XXXX, XXXX, and Experian to have the creditors verify the unverified debt or take the accounts off my credit report. My first letter went out XX/XX/XXXX, second letters on XX/XX/XXXX, Third letters on XX/XX/XXXX and fourth letter on XX/XX/XXXX. They have not removed the unverified accounts off my credit report. I have mailed the creditors to verify the accounts I allegedly have with them and they have ignored my requests.
Consumer complaint received 2019-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (MI)

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Consumer complaint received 2019-04-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have these two collection accounts on my credit report from a company call XXXX XXXX XXXX which i have never done business with. It appears those two accounts are original from two capital one credit cards that i had more then seven ( 7 ) years ago and those accounts were charged off. Now, XXXX XXXX XXXX started reporting both them on my credit on XX/XX/2018, one with the balance of {$2400.00} and the other {$1000.00}, they also appear on my credit as derogatory marks. The balances they are reporting are also incorrect.
Consumer complaint received 2018-09-03
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. (NY)

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX., XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos .

XXXX XXXX  Inquiry from XX/XX/XXXX+ All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX  Inquiry from XX/XX/XXXXXX/XX/XXXX + National Credit Card Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks
Consumer complaint received 2023-01-30
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. (GA)

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

This notice is to inform you that unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Chime Financial Inc (PA)

On XX/XX/2024 at XXXX XXXX I used the XXXX  ATM located inside XXXX XXXX station at XXXX XXXX XXXX XXXX XXXX XXXX however my {$140.00} withdrawal did not dispense from the ATM. So I called the number on the ATM. They informed me to call my bank. My bank is chime. I contacted Chime, filed a dispute, and XXXX days later they closed the dispute without giving me my money back so now I am at square one. I called the ATM owners again and can not get any answers into whos going to refund my {$140.00} that did not come out of the ATM. I feel like if a true investigation was done they would see on multiple cameras that the money was NOT dispensed. 
I have provided the receipt and the case number and have filed disputes in addition to the original dispute because its not right for me to just be robbed of {$140.00} hard earned dollars. 

At this point I do not know what to do and still havent recovered my {$140.00} loss just a bunch of excuses. Both case numbers in the second photo attached are from XXXX. The first one is the initial dispute and then the additional dispute filed once Chime closed my dispute and did not refund my money nor offer me any provisional credit Please help
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (CA)

This complaint is in regards to 8 unauthorized withdrawal transaction, made from my payroll prepaid wisely debit card. On the dates of XX/XX/2022, and XX/XX/2022, there were 8 unauthorized withdrawal transaction, made to my wisely account in total amount of {$2000.00} dollars on XX/XX/2022 there were 4 unauthorized transaction in the amounts of {$200.00}, {$400.00}, {$200.00}, {$200.00} from a XXXX XXXX atm XXXX bank on XXXX and XXXX in XXXX XXXX the total amount of {$1000.00} XXXX XXXX dollars on XX/XX/2022 there were XXXX additional transaction in the amounts of {$200.00} {$300.00} {$300.00} {$200.00} from a XXXX XXXX atm on XXXX XXXX XXXX XXXX XXXX bank in the total amount of {$1000.00} sum total of {$2000.00} I filled a complaint with wisely Adp but I was told that there were no error had occurred and that was the final response I received. I wrote them a letter requesting the information and documents that were used in there investigation and I have not yet received a reply to my request this Is why I'm filing thus complaint with you guys please help me retrieve my hard earned money back
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX I got a bill from America express for {$95.00} annual fee I called and changed my card to a none annual fee account and they changed my card send me a new card I already receive it. 
Now I got another bill do I called customer service because I dont want to get late fee the customer service rap tells me that i should make a payment to avoid any fees I ask her why I changed the account and already reviewed my new card as well U cfpb are jokers r u aware of how banks XXXX off consumers by doing these stupid Fraud making customer to pay for a annual fee that been changed Shame on cfpb Shame on American Express
Consumer complaint received 2021-02-09
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (AL)

FedLoan Servicing is indicating, through their website, that I have a payment past due on a federal student loan when payment upon such loans is suspended until at least XXXX XXXX, 2021. 

FedLoan 's banner message alleges my loan payment is two days past due. 

I know that's not correct ( and possibly illegal under the FDCPA ), but how many borrowers are relying on the information being provided to them by their loan servicer as to when they have to make payments?
Consumer complaint received 2019-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a 15 year mortgage with Bank of America taken out in XXXX, now in its last 4 months of payment. I have never missed a payment nor ever paid late. As a matter of fact Bank of America has taken payment automatically from the checking account which I maintain with them on the first of the month with funds being available every time the payment hit the account. 
Around XXXX I noticed on the paper statement that is sent to me, a statement in bold type, that my mortgage account was " subject to a bankruptcy case or discharge ''. I have never filed or been involved with a bankruptcy. I called several times over the years to try and get this removed. To no avail. The issue of this statement appearing on my statement came into critical focus as a potential problem when another institution which I have applied for home financing asked me to send them a copy of my mortgage statement. I have asked Bank of America to send me a " clean '' statement, which I have yet to receive.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 

3. XX/XX/XXXX with ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$9600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a loan amount of {$150.00} -This is not my account.
Consumer complaint received 2019-09-17
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. (AL)

There are three loans showing with XXXX XXXX XXXX XXXX  that dont appear to be mine. 

One loan is showing for XXXX in XX/XX/2018 Two loans showing from XX/XX/2018 one for XXXX another for XXXX
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

on XX/XX/2020 I contacted enhanced recovery company who had no listing for a XXXX debt. instead they continuously talked about another company what i thought i owed them. I Asked for itemized proof and they said they could not verify the debt. If it is not XXXX  please remove
Consumer complaint received 2022-09-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NH)

I can't make a payment on my loan because it says " Your account includes TEACH Grant ( s ) only. Limited information may be available on our website. '' Are you KIDDING ME???? I don't have a teach grant nor have I ever had a teach grant. It's disturbing that this mistake has occurred without my knowledge and now I can't make payments on my student loan. I need to know how this occurred and I want this fixed ASAP!!!! You are hurting my financial health and I'm not happy.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: DApps Platform, Inc. (MA)

Twice Trust Wallet lied. Complaint XXXX and XXXX. TRUST WALLET never replied or send me responses about my complaint. I have all the screenshots and emails with no responses. On my last complaint TRUST WALLET says that they know about this scam, but they dont do anything to protect their customers. They have failed to fill their obligations. Moreover, on their website they say that they keep your XXXX  safe from hackers & scammers. One more time they lie. I never received any scam email or click on any emails received from an unknown person. I didnt visit any fake, or scam website. My money was on my trust wallet account without any specific transactions on it. My money was just store there. Moreover, TRUST WALLET reported a list of $ XXXXway below the {$1400.00} reported to them and the proofs I sent. XXXX XXXX XXXX XXXX Also a demand letter was sent to TRUST WALLET with signature. They never replied to it. I have now reported TRUST WALLET action to the FBI and to the Massachusetts Attorney General 's Office. Its time for them to take their responsibilities.
Consumer complaint received 2019-04-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (FL)

Calvary portfolio contacted my roommate who was listed on my account as an emergency contact and provided them with personal information around my accounts and the amounts owed. I have four accounts with them and they have him specifics and all.
Consumer complaint received 2019-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (DC)

On XX/XX/2018 i called ERC to make collection payment i was told by the debt collector that after making the payment the collection would be removed from my credit report. 
The collection still shows in my credit. I dispute the collection with the credit bureau and they always tell me that i have to contact the collection company to have collection removed off my credit. I contact the collection company and they tell me that i have to contact the credit bureaus.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I called XXXX XXXX and asked to verify account # XXXX in XXXX they said another company had it so I send them a investigation request letter in XXXX and they said they didnt have it anymore so I opened a dispute with Experian XXXX XX/XX/XXXX and it came back verified but with a repossession added to my credit card report.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened an HSBC account in XX/XX/XXXX and by XX/XX/XXXX I was advised by HBSBC bank that they are going to close the account and send the funds to me within 10-15 business days. It has been almost 3 months and i still haven't received my funds. I have contacted them on numerous occasions asking for an update/resolution however nothing is being done. I went to their branches and they refer me back to customer service which refers me back to branch. On XX/XX/XXXX I contacted them again asking for an update and i was placed on 45 minute hold after that call was disconnected. There are over {$1400.00} funds in my account and i can not access them for some reason and this is has been extremely frustrating. HSBC bank isn't telling me anything nor providing solutions. I need someone from HSBC to resolve this matter and give me my money bank.
Consumer complaint received 2019-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I'm not sure, really, what the point of these complaints to the CFPB is. The company just responds and gives the same empty promises and then does nothing. How exactly am I being " protected '' as a " consumer '' here? I'm not. But I will file this complaint, because the company about which I am complaining is apparently lying to me and is doing nothing. This complaint is about XXXX XXXX dba Shellpoint Mortgage Servicing ( formerly XXXX XXXX XXXX ). I have been dealing with them since last XXXX ( 2018 ), or slightly before. My loan got transferred to them from a previous servicer. I had started a loan assumption process with the previous servicer, and once it transferred, I contacted XXXX XXXX to start the loan assumption process with them. 

They immediately sent me the information to do a loan assumption. I got all the information put together and sent it to them very quickly. That was 6 months ago. The loan assumption still has not happened. 

NewRez now claims that they do not have FHA qualified underwriters on staff to do a loan assumption. They told me this a couple of months ago, once I finally got a conversation with one of them. They said they were really close to getting people hired and being able to do these assumptions. They lied, obviously. They now will not even return my calls or emails. 

NewRez lies about loan assumptions. Why did they send me details on doing a loan assumption 6 months ago if they did not have the proper people on staff? 

Is it even legal to not have FHA qualified people on staff? They service lots of FHA loans, right? 

They clearly lied to me 6 months ago. They lied to me 2 months ago. They lied to me a month ago. They just lie. They lie because there is no recourse to them lying. If I lied to them, I would get in trouble. When they constantly lie to me, they do not get in trouble. 

I am stuck here, because I did not choose NewRez. I can not change the servicer of my loan. They are the most pathetic company I have ever dealt with, and I can't do anything about it. There should be some sort of government agency which oversees mortgage companies and helps consumers who have problems with these companies. 

I am submitting this complaint because this is a new complaint, based on NewRez 's lies to me about being " only a couple weeks away from being ready '' to do a loan assumption. This is not a rehash of my old complaints, this is a new complaint. 

I know that NewRez will respond to this complaint with the same nonsense they have used to respond in the past. They will post that information here, and the CFPB will do nothing about the fact that NewRez has consistently lied to me about this whole process. They will not return my calls or emails, and when they have talked to me in the past, everything they have told me has turned out to be a lie.