davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

I am having a legal dispute with my title company. The title company made a payment directly to the mortgage holder. The dispute is not resolved and I asked Wells Fargo to hold the money in a suspense account until the matter is resolved. Wells Fargo applied the money and will not reverse the funds. I have had another mortgage holder that had no problem doing this. According to Wells Fargo if the money was applied and I didn't call within 90 days to have it reverse then they will not do anything. I had many medical issues, a XXXX and XXXX XXXX, and was unable to make the call within the 90 days. Although according XXXX it was only 74 working days. 

Time period between XX/XX/XXXX and XX/XX/XXXX ( exclusive ) equals to : 111 days ... or 15 weeks & 6 days ... or 3 months & 20 days Between XX/XX/XXXX and XX/XX/XXXX ( exclusive ) there are : 74 working days ( 592 hours, assuming 8-hour workday ), 37 non-working days including : 16 Saturdays, 16 Sundays, 5 federal holidays ( US ) falling on weekdays Since they won't back out the money, I asked that all of the money be applied to the principle of the loan. Wells Fargo told me that most of it was applied to the principle but some went to interest and payments. They refused to change this against my wishes. I was also told that I could send in a Power of Attorney since my health issues prevented me from calling to reverse the money within their time frame.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SD)

placed freeze on my credit report some time ago. for the last couple of months, i have been trying to release the freeze. i have went online to experian website and i have called them. There automated system does not give you the option to release a freeze even though the website indicates that you can release a freeze by calling. it only gives you the option to place a freeze. the website does not allow me to release the freeze because they have incorrectly input my address information. I have reported this issue before and right after cfpb addresses it with experian, they put my address back to my old address. Nothing but liars and crooks in Texas. I want them to release the freeze on my experian credit and to put my personal information as it should be. i should not have to further compromise myself by sending the copies of social security cards and id in the mail. I have police reports of mail being stolen. why would i send them sensitive information like that and they don't send it back. 
Who know what they do with the information. If they would put my information back to what it should be, this would probably not be an issue. They have even previously sent me credit reports showing that they put it back and them they turn around and put my old address as my current address. I live in XXXX. Not XXXX XXXX. If they have falsified my information, i would like it corrected and them to stop changing it so that i can't access my own account.
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (FL)

XXXX XXXX XXXX XXXX XXXX never notified me about a bill due to my ER visit on XX/XX/XXXX. The XXXX XXXX XXXX i paid my copay and have a record of my bill was paid in full. However XXXX XXXX XXXX XXXX XXXX never notified me of a bill due. XX/XX/XXXX i moved to XXXX XXXX and did not reside at my location in XXXX. 
XXXX XXXX XXXX XXXX XXXX never notified me and sent my bill to a bill collector. they never sent to my current Insurance Provider XXXX and a bill was never processed through XXXX for XXXX XXXX XXXX XXXX XXXX. The Bill from the XXXX XXXX XXXX was processed and paid for the day of service on XX/XX/XXXX
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Good Morning, My name is XXXX XXXX, phone # XXXX, email-XXXX. 
Ocwen Mortgage Loan # -XXXX and XXXX XXXX Loan # XXXX. 

I am currently on XXXX  XXXX with a fixed income. I have completed a Loan Modification with my previous mortgage company ( Ocwen Mortgage Services ) and a decision was made which I accepted due to not wanting to lose my house and also did not completely understand their terms and conditions. However, I was concerned with the huge difference with the mortgage principal and contacted Ocwen immediately. A representative told me to provide document indicating the difference. I was not able to locate the document immediately and when I did, Ocwen eventually sold my mortgage to XXXX XXXX XXXX effective onXX/XX/XXXX. I contacted XXXX XXXXXXXX XXXX and provided them with the1098 tax form for the year XXXX that I received from Ocwen Mortgage Services. The XXXX tax form from Ocwen indicates- Principal balance {$270000.00} as of XX/XX/, while XXXX XXXXXXXX XXXX indicates- {$400000.00}. The modification agreement also indicated-balloon payment in the year XXXX of {$290000.00}. There is also an adjustable rate.I have Attached copies of the Loan Modification documents that I requested and received from XXXX, the 1098 tax form for the year XXXX, XXXX XXXXXXXX XXXX   monthly statement, and the letter I wrote to XXXX regarding the huge difference in the Principal balance. Please help with this issue, this is all I have. 

Thanking you in advance. 

Looking forward to hearing from you.
Consumer complaint received 2023-08-19
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: Prosper Marketplace, Inc. (FL)

I am writing to file a formal complaint against Prosper Funding LLC regarding their repeated failure to provide me with the necessary Form 1099-C for tax purposes. I have made several attempts to obtain this form, and their lack of responsiveness and failure to fulfill their obligation has caused me significant frustration and concern. 

Account Information : Account Holder Name : XXXX XXXX Account Number : XXXX Charged-Off Amount : {$25000.00} Date of Charge-Off : XX/XX/ I trust that the Consumer Financial Protection Bureau will address this matteXXXX promptly and ensure that my rights as a consumer are upheld. I am prepared to cooperate fully with any further inquiries or actions that may be required to resolve this issue. 

Thank you for your attention to this matter.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (SC)

I had my tax return from the State of South Carolina. I owed the Hospital money and my Refund was used to pay off my bills with the XXXX University Of XXXX XXXX. The total amount of {$2200.00} went to XXXX. so my accounts are paid. I tried calling AArgon Collection Agency and XXXX to try to fix this. AArgon needs to remove my debt. 


Thank You XXXX XXXX
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (VA)

Citibank recently closed one of my credit card accounts without any advance notice. This credit card account was tied to Citi Thank You reward points. I had accumulated XXXX  Citi Thank You points, but they were automatically forfeited on XX/XX/XXXX when Citi closed the corresponding credit card account without informing me. I lost all my Thank You points and their corresponding value.

I called Citi card in the 3rd week of XX/XX/XXXX to file a complaint and request restoring my Thank You points ; however, Citi responded by saying that due to the time frame that has elapsed, they are unable to credit the Thank You points to my account. I called Citi card services again in mid-XX/XX/XXXX, and received a letter stating that the outstanding points needed to be redeemed within 60 days from the date of closure of Citi account. Apparently, Citi closed my account on XX/XX/XXXX and sent me the letter on XX/XX/XXXX informing me that the account was closed and that I had 60 days to use my points. However, I either did not receive this letter, or it was accidentally ignored/thrown away by someone in my household when I was out of the house for 16 days between XX/XX/XXXX and XX/XX/XXXX.

Upon further inquiry with Citi, I learned that this account was automatically closed because of inactivity for several months. While this is true, Citi needs to understand that I have two other Citi credit cards ( and my wife has two Citi credit cards as well ), all of which are heavily used for our daily small to big dollar purchases. In XX/XX/XXXX, collectively we spent more than {$50000.00} on Citi cards, and we are on track to do so again in XX/XX/XXXX. None of my other credit card companies -- for example, XXXX, XXXX XXXX, and XXXX XXXX -- ever closed my credit card accounts that were inactive for more than 5 years. Plus, we have always paid our credit card bills timely, and have maintained an excellent credit score. I explained all the above points to the Citi customer care managers on my two calls, but I am extremely dissatisfied with Citi 's response that they are unable to restore the XXXX   Thank You points I earned.
Consumer complaint received 2019-04-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ZARVAD III S.A. (WA)

XXXX XXXX XXXX XXXX The following number has called me on XX/XX/19 and XX/XX/19. They have also called my brother and sister leaving voicemails for me with personal information after I have told them I should be the only person contacted. They also havent provided anything in writing for me to confirm this debt or even who they are. XXXX is the woman that keeps leaving voicemails.
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (KY)

Here is a copy of the text sent to me VIA EMAIL : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2022 Current Creditor : XXXX XXXX XXXX XXXX Current Creditor Ref # : XXXX Our Ref # : XXXX Original Creditor : XXXX XXXX  Our client has authorized us to offer you the following discount to resolve your account : Balance Due : {$530.00} Discounted Payment Offer : {$170.00} Payment Must Be Received By : XXXX Should you have any questions regarding this, please call us at XXXX. 


Upon receipt and clearance of the discounted payment amount we will notify our client that the account has been resolved for less than the full balance. We are not obligated to renew this offer. 

To make a payment online, please visit us at www.syncomcorp.net and click on " make a payment ''. 
Log in using Account ID : XXXX XXXX Account # : XXXX This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This company is attempting to contact me via email FOR A DEBT THAT I DO NOT OWE NOR HAVE ANY KNOWLEDGE OF. IT IS NOT MINE. 

Not only that, but they have violated multiple subsections of the FCRA and have caused me great emotional distress.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (WI)

On XXXX XXXX {$75.00} was deposited on my orginal acct of XXXX, then recieved a message to update my account to and all access acct which became XXXX which is now my current account, then XX/XX/XXXX came n went no deposits so i called asking where it was n they gave me da run around about it so sent all message to CEO he in turn sends me to a lady named XXXX XXXX she tells me she will handle it, in the meantime i do my own research and find that they have sent it to an acct i no longer use or have access too XXXX and they want me to verify everything which i did but then they want documents which i do not have cuz i lived there from XXXX to XXXX but XXXX verifies that this is where they sent my funds i use every month to pay my rent n for my medications, the bank verifies both reciever n sender that this account has my funds of {$2200.00} in it. I verified that da last deposit was recieved on XXXX XXXX of {$75.00} to acct XXXX which the bank recieving said i had to upgrade to XXXX on XX/XX/XXXX, today is XX/XX/XXXX and i still have not recieved any of my funds into my account
Consumer complaint received 2022-09-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have been trying to get off of covid forbearance since XXXX of XXXX. I have a VA loan. I want on code forbearance due to me being XXXX  from my job for 18 months. I haven't been back with my job for over a year now. I keep submitting applications and paperwork over and over again for the loan modifications. In XXXX of XXXX I finally was assigned a representative from the company. They help me get all the paperwork finally into underwriting. The company now is dual tracking and is foreclosing on my home while I'm in loan modification review. I keep reaching out with questions like what type of loan modifications they offer veterans for a VA loan. This company is more worried about foreclosing on my house and putting myself and my XXXX kids on the XXXX. My finances have improved greatly and I know I do qualify for a loan modification but this company refuses to work with me in this matter. I will be pursuing other ways of getting this information out about how this company is treating veterans. This company does not have your best interest in mind.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLIANT CREDIT UNION (LA)

I sent this letter to Alliant Credit Union on XX/XX/XXXX, I have since emailed the XXXX and the XXXX XXXX XXXX XXXX  and have yet to receive a response. 

On XX/XX/XXXX I deposited an insurance check into the account reference above. Before depositing the check, I spoke to the mortgage company and I was assured as long as the amount was less than {$20000.00} there would no need for an additional endorsement. On XX/XX/XXXX the check was returned due to the lack of the Endorsement that I was told was not necessary. Once I realized the check had in fact been returned, which resulted in a negative balance in our account, I immediately contacted the Alliant Customer Service department and explained the situation to ensure they were aware of the issue at hand. In speaking with the representative, I communicated to her that I would be sending the check via XXXX to the mortgage company to ensure the fastest possible response time, after speaking with the mortgage company I was told I should expect to receive the endorsed check with 10-14 business days. This would be late XXXX or early XXXX. I received the endorsed check on XX/XX/XXXX. Upon receiving the check, I in turned sent a check via US Mail, made payable to Alliant Credit Union in the amount of {$4500.00} which would resolve our account balance and bring it current. My family and I were out of town for the majority of XXXX. Upon returning home on XX/XX/XXXX, at this point I was under the impression the check had been received, since I had not received any correspondence via phone nor mail notifying me otherwise. On XXXX XXXX both my wife and I received an alert from our credit monitoring service that a collection account from Alliant Credit Union had been placed on both my wife and Is credit file with a balance of {$4500.00}, which resulted in not only a negative account on our credit file, but also caused an 80+ drop in our credit score. On XX/XX/XXXX I contacted Alliant and spoke to both XXXX and XXXX in the Loss Prevention Department. After explaining the situation to both ladies, I proceeded to a make payment via my debit card for the entire balance. Our intentions were always to resolve this account, and upon being made aware that the check that was sent on XX/XX/XXXX was never received I immediately called and resolved the balance owed. 
The purpose of this letter is to request to have this account completely removed from both XXXX and Is credit file immediately. It is my understanding the account was Closed on XX/XX/XXXX, it appeared on our credit file on XX/XX/XXXX and was resolved in full on XX/XX/XXXX. 
I would appreciate your expedited attention in having this matter resolved, since time is of the essence.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

When I bought airline tickets on the XXXX XXXX website they offered me an XXXX XXXX AAdvantage Platinum  Select Citi Master Card with an offer of a {$200.00} credit and 40,000 miles after purchasing {$2000.00} in 3 months. The initial purchase date was XX/XX/2019 for {$260.00}. Citi Cards is not honoring the credit or the miles because I have the XXXX XXXX   XXXX card, which is apparently a Citi card as well. Citi says it was in the details, bot still approved me and left me expecting the credit and miles. 

This is a bait and switch and is unethical.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (MN)

I opened up a XXXX  account in XXXX. I have not done business with them since XXXX. They are reporting that the account is still open and that the date the account was opened XX/XX/XXXX. I have tried for years to get this resolved and I am still having problems with this affecting my XXXX XXXX XXXX XXXX ask that thisdebt please be removed due to inaccurate information
Consumer complaint received 2019-04-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I have been trying to work with this company to repay my debt. I attempted to stop the XXXX withdrawal from my account this Friday ( XXXX ). My response was : I am sorry for any inconvenience, once a payment arrangement is scheduled, it is unable to be changed or canceled for any reason. The payments will have to be debited from your account as previously agreed. 

Since, I have reviewed the ACH section of the loan contract, and it does not provide instructions for stopping an ACH withdrawal, which now has me questioning the validity of this contract.
Consumer complaint received 2019-04-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (FL)

I am writing to petition that the corporate advances be revised in accordance of state and federal law. BB & T wants {$8100.00} in attorney fees, whereas the law allows a maximum d {$3600.00}. 

The fees may not exceed " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. That fee is maximum {$3600.00}. I have attached all governing legal references and filed an invitation with the Federal Bureau of Consumer Protection. 

The corporate advances exceed federally and state approved " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. 

I have confirmed this with HUD, as well with the State and Federal Bureau of Consumer Protection ( Federal Trade Commission ). I have attached 24 CFR 203.552 Federal HUD law for FHA backed mortages which mine is ) ACCEPTABLE FEES AND CHARGES - GENERAL ( 24 CFR 203.552 ). HUD regulations specify that the mortgagee may collect " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. The Department considers the FNMA fee schedules to be reasonable and customary. 

BB & T and XXXX XXXX is violation of HUD regulations by attempting to collecting a fee ( regardless of when the fee is actually collected ) for : 1. a service which in not specifically authorized in Paragraph 4-1C ; or 2.a service not authorized in advance by one of the fee regulators above. 3.charging a fee that does not comply with the rule stated in Paragraph 4-1A. 

I will wait to hear from you, thank you.
Consumer complaint received 2019-04-02
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: JPMORGAN CHASE & CO. (TX)

Chase Visa Card over the last year has replaced my card due to several fraud charges. 

Then one charge that was fraud would not be credited and Chase claimed that the charge was valid. The charge is not a valid charge for {$25.00}. 

After several months of trying to get the charge corrected, with no positive results, I demanded Chase Visa, credit all service fees, interest charges and the invalid fraud charge one last time. No response from Chase Visa except for the monthly bill being sent each month. 

I then wrote Chase Visa and demanded the account be closed since there is no longer any trust with their service or products. Chase Visa then sent a letter asking for payment and money to keep the account active. 

I no longer want to do business with them and have informed them of this and to close the account and bring the balance to XXXX.