davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC. (NY)

Dear President of MB Financial. 
Please be advised that my subject loan # was tagged with a 30-60 late for no reason on XXXX 2015. 
The XXXX check was deposit XXXX check # XXXX, ( It was 3 days before XXXX XXXX ) I have proof of each and every payment. 
I was trying to work out the details with your Customer Service Rep and I am getting no place. 

I am asking your help today.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

I mailed a letter to XXXX XXXX, XXXX XXXX, XXXX, Goldman Sachs, XXXX XXXX XXXX XXXX  who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history. Neither of the companies replied to my letter, and neither one of them complied. I have attached the letter that I mailed each company on XX/XX/2024.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

I have received in mail mid XX/XX/2020 a US Bank ReliaCard that I never requested. No accounts with US Bank. I did some research and appears there is a situation on state of Colorado with scam on unemployment cards. Not certain this is part of it but I dont live in that state nor have I filed unemployment as I am retired. I have tried to call phone number listed but dont want to activate the card and it is asking for all my personal information. If a scam I dont want to give it out. Please advise
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (TN)

I had an account with Regions Bank ending with XXXX. I wrote checks to XXXX XXXX in XX/XX/2011and I am requesting copies of those cheeks in the amount of {$1000.00}. I am requesting copies of those checks, because I wrote two for the same amount for two reasons.. 
One was for child support and the other was for bankruptcy. I need copies of those checks sent to me. I also need copies of checks sent to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Payments were made via wire to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-03-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MD)

XXXX XXXX, 2023 - called Rushmore Loan Mgmt Svs for loan payoff amount. 
XX/XX/XXXX, sent personal check to close account, check returned with request for cashier 's check. Sent cashier 's check for payoff amount on XX/XX/XXXX, check was cashed XXXX XXXX. Checked account on line on XX/XX/XXXX and saw " Congratulations, your loan is fully paid off. '' XX/XX/year> we received a check from the new company Rushmore Servicing ( company announced it was sold XX/XX/XXXX ) for {$2800.00} with the notation " Payoff Refund. '' Next in the mail came a billing statement showing amount due, XXXX another billing statement, XXXX another one, XXXX another XXXX and XXXX too, and the amount increasing each month. I called XX/XX/XXXX, spoke to a woman who said there was a signed HELOC Payoff Authorization Form missing and that would be enough to close the account. She emailed it right to me, we signed it and sent it right back on XX/XX/XXXX. She said she would send the file for closing and get back with an update. She never did. I called XX/XX/XXXX, XX/XX/XXXX and I've lost count of how many calls I've made in XXXX so far. Each time was told someone would get back to me. But nothing. Two weeks ago we got 4 Notice of Intent to Foreclose from them and separately we received a notice of Foreclosure from the Maryland Department of Labor Office of Financial Regulation. I contacted them and have filed a formal complaint with them against Rushmore Servicing.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Denefits LLC (FL)

In according with Fair credit Reporting Act is a violation of my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX section XXXX XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX a section XXXX ; it also XXXX a consumer reporting agency can not furnish account without written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; a creditor may not treat a payment on a credit card account under an open consumer Credit plan as late for any purpose. as for charge off account with Denefits LLC, a charger off is considered a certificate of indebtedness and charge off are considered income and income can't be reported to my credit
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MI)

Mr. Cooper is acting as a Servicer on my Mortgage, when in Fact they are a third party Debt Collector. I have been trying to get all my money back from Mr. Cooper for Monthly Mortgage payments made by me to them. 

According to Fair Debt Collection Act XXXX, ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) 1978 Protects consumers from Debt Collectors. 

First off, I am NOT BEHIND ON MY MORTGAGE PAYMENTS. 
I'm am not in DEFAULT ON MY MORTGAGE, and Mr. Cooper has brought my Mortgage from a Company I don't know. 
Mr. Cooper can not Collect on a Mortgage that's in GOOD standing. 

Mr. Cooper continues to Collect payments on my Mortgage. 
They have mailed me Copies of my Mortgage and do not own my Mortgage. 
Copies do not make them the True owner of my mortgage. 

XXXX should not be in procession of my Mortgage because I'm NOT IN DEFAULT.
Consumer complaint received 2023-09-04
Product: Credit 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: AMERICAN EXPRESS COMPANY (TX)

I disputed this charge ( {$840.00} on XX/XX/2023 ) because I have not received goods from XXXX seller. The seller scammed me by committing mail fraud and sending me an empty envelope with me having to sign for it. I reported the incident to law enforcement agencies : police, IC3 and XXXX postal inspector. I attached the copies of these reports to Amex along with my appeal letter. Later I got a strange boilerplate response from Amex saying that they " can't investigate further ''. I was a victim of deliberate fraud and they can't do anything? Isn't this one of the main purposes of credit cards, to protect me from fraud and they're saying I'm expected to just give up my money to a fraudster? I'm hoping to bring more attention to my case to prompt a review from a high-level dispute specialist instead of a time-pressured clerk who glances through cases and rubberstamps any response from the merchant as " valid ''.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have been calling and met with IRS in person. IRS is requesting to send proof of letter saying that " IRS is requesting {$7000.00} to Fifthird Bank. '' As they don't have anyformations, Fifthird is resposible for tracking and getting the information where the money is. 
I need the refund asap and will have to take action on their lack of responsibilities and will have to pay for it.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Selene Finance LP (MO)

Had XXXX XXXX XXXX sell my loan to seline finance in 2014 after reviving a payment from me that was to be applied to my pay due account. I had late fees with XXXX  but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter XXXX bankruptcy, which was XXXX XX/XX/2014. 
Since XX/XX/2014, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MN)

I made XXXX transactions to my Credit Karma account on XX/XX/XXXX. XXXX for XXXX and the other for XXXX. I reported to XXXX 's ( the company ) that I hadn't received the products I orders ( a pizza ). I tried to do this same transaction a total of XXXX  times, but it kept telling me that the funding was insufficient, so I tried with a different card. The Credit Karma account was charged for the XXXX charges I reported earlier in this report. These transactions showed up on my account as pending, but the amounts had already been taken out of available balance. These showed up for several days, XXXX days, that was the time that I should have been refunded the money. I called Credit Karma and they told me I had to wait 15 days for the pending charges to be refunded to my account. I called XXXX 's corporate office and was told that the funds had already been distributed back to the banks. I called Credit Karma again with the information I got from XXXX 's corporate office and got the same scripted answer. I decided to print my transaction history, which had shown the pending transactions and discovered that both of them were not on my account statement. I called Credit Karma about the charges not being on my account and was informed that since they were pending they removed them from my statement. Since I didn't see the transactions and didn't copy my statement before the transactions were taken off, I had no proof that the transactions had actually happened. After requesting to speak to a supervisor ( who talked extremely fast and was hard to understand ), I was told almost the same scripted answer as the call center lady said. I requested to receive a copy of my statement showing that the transactions had been taken off or that they were still pending and was told they were unable to provide that information. I then asked for an email to show that there were transactions made that day. They sent me an email copy of these charges. While I was talking to the supervisor, I received XXXX emails other emails from Credit Karma. XXXX was about how to open a dispute and the other was to tell me my card had been deactivated and a new card would be sent in XXXX or XXXX billing cycles. Right now, Credit Karma is showing my balance as {$470.00}. I asked them several times over the last XXXX  days to return my money to me, but I keep getting a scripted answers.
Consumer complaint received 2020-12-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (AZ)

I have received a delinquent bill for a loan I NEVER applied for nor received From XX/XX/2015 with XXXX XXXX they CAN NOT or WILL NOT send me ANY PAPERWORK with my ID, signature or copy of the car title used ( which I HAVE NEVER OWNED )
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

XXXX, XXXX is a debt collector that is attempting to collect a debt that is not mine. XXXX, XXXX has purchased the debt from another debt collector DIVERSIFIED CONSULTANTS , INC . I have never given any information to or signed any contracts with XXXX, XXXX XXXX, XXXX inquiries into my credit file has had a negative effect on all XXXX credit scores and has prevented my ability to apply for a line of credit.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ND)

On XXXX XXXX I was scammed due to people posing as USAA agents who got into my account and illegally transfer $ XXXX into my account and withdrew XXXX XXXX dollar checks out my account. Then USAA came and saw the funds return and left me $ XXXX in debt and they are trying to say it's my fault.
Consumer complaint received 2015-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Diversified Consultants, Inc. (FL)

I paid my bill from XXXX and was advised by XXXX collection agencies that they have requested that it be removed from my credit report back in XXXX 2015 when I paid the balance and again on XXXX XXXX 2015 when I purchased my credit reports and noted that it will still on there. There is also a charge of XXXX that shows closed that should be off my credit because that should have been put through my health insurance.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX Acct # XXXX Balance = {$770.00} Date opened XXXX Disputed this 3 times one online through XXXX app and also sent in 2 letters Most recent dispute sent in on date XX/XX/2022 This is a fraudulent account I have sent in receipts directly from XXXX to the credit bureaus showing I returned phone to store within 3 days of purchasing and they sent phone to collections stating i never returned Lastly I also contacted XXXX and still they have not removed from credit report
Consumer complaint received 2018-04-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IN)

I have received a several calls from Navient and I answer and communicate with them whenever I am available to answer. I even return calls when I miss them. I have REPEATEDLY explained to them I am homeless and unable to obtain housing due to the my poor credit. After telling one representative this she responded well hopefully your luck gets better but we will proceed with default. I have tried getting payments postponed as my other loans are in financial hardship forbearance. Navients wants me to pay {$350.00} a month when I have no place to live. Yes I have a job, however when youre living out your car, you have to pay money for occasional hotels to shower or gym memberships to shower. Its ridiculous how they have no way of working with you with private loans. They even sent emails as if I wasnt responding or trying to avoid them when Ive continually communicated and never tried to avoid them. But I can not pay them funds I do not have. Yet I continue to suffer and not get housing because my loans go into default and negative credit reporting.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern, I receive a letter dated XX/XX/2020 Capitol One Case XXXX will update my account and no longer be charged to the listed accounts. 

Effective today, the Customer Service Representative at Capital One has read quite different things to me about how my account will always be reported as ongoing charge off. I said that the letter did not express anything verbose.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX I filed complaint # XXXX with the CFPB. That was also the day that Bank of America says they would be sending me a new debit card ( the previous card was cancelled due to my reporting an unauthorized charge ). Today I contacted the bank to see why I had not received new card and I was told that the card was ordered on XXXX but that my account was flagged for fraud and that I had to speak to the fraud department. The fraud department said that the risk department were the only people who could help me..I was placed on hold on excess of 8 hours with every transfer from person to person I spoke to but still no answer as to why this is happening. The last fraud person named XXXX that I spoke to said that I was basically being " penalized for reporting the unauthorized transaction '' the call was supposed to be recording so I am hoping that can be accessed to prove what I have stated. He then told me I would have to be placed on hold for " at least an hour so I could talk to someone in the risk department. Meanwhile, my account is blocked, I have no new card, and I can't transfer my money to another account. I have past due bills to do pay, no groceries AGAIN because of this bank of and they are not providing any resolution or answers. I am left assuming this is a retaliatory action and just need to resolve this somehow so that I can receive my much needed money.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2019 I opened a Checking account and a Savings account at Fifth Third Bank at XXXX IN branch and gave the bank teller a cashier check from XXXX  XXXX for {$3300.00} to deposit into this account. On XX/XX/XXXX I received a transfer from my mom 's XXXX checking account for the amount of {$1200.00}. The fund was deposited on XX/XX/2019. A few days later, I figured out my online banking account was blocked. I called 5/3 customer service and they told me the XXXX XXXX  check that I deposited was a bad check and told me to come to the branch with documentation saying that the check is valid. I thought this is ridiculous since it is a cashier check from a bank and there is no way for me to get anything that proves the validity of the check. Then I waited until XX/XX/2019 and received a letter from the bank saying that my checking account will be closed in 30 days from XX/XX/XXXX "  because of recent account activity '' with no any further explanations. There was nothing I could do to get the remaining fund from my account because they did not allow me to take any money out of the account so I waited 30 days for the account to be closed and get the refund check. However, 2 weeks after the 30 day period I got nothing from the bank. I called customer service twice to asked for the refund of the remaining balance and both times they told me that they already sent out the check. I waited until yesterday ( XX/XX/2019 ) and still got nothing. I decided to call in again and this time they told me that the remaining fund in my account is intended for me and the fund was forfeited.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KY)

I have been following up with Equifax via internet and over the phone after my lender was unable to pull my report. I am also unable to pull my report, and they are asking me to verify various pieces, which I am able to provide most or all details related to some situations that are from 2002. Despite this they are wanting me to send in my social security card with my driver 's license before they will verify what the issue is ( address, matching name, etc ). I escalated, explaining this could potentially cause me to lose a home, current the only workable home, since this report is a required part of the process. My lender has my other two reports, XXXX and XXXX, and did not have any issues pulling them. I am not comfortable sending this documentation, especially since they will not tell me the reason why. Please advise how I can get a copy of my credit report to forward to my lender, so I can make an offer on this home. 

Thank you!
Consumer complaint received 2017-03-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America Sent a package of documents about FHA Loan : 1. Original FHA-Insured BoA Loan # : XXXX ( XXXX ) 2. Address : XXXX, Maryland XXXX 3. This loan was a 15-year fixed issued on XX/XX/XXXX ( XX/XX/XXXX ) 4. BoA affected a FHA-HAMP modification and altered the term to 32-years 5. BoA has not explained how a 15-year fixed is now a 32-year fixed loan which has been sold to XXXX as of XXXX XX/XX/XXXX. 
Please require BoA to explain and fix the error so that we do not have to resort to litigation. 
Thank you
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (CA)

During COVID I was in forbearance. In 2022 told me that my options were to pay off or do a loan modification, the servicer told me that the loan modification was my best option. Fast forward to now and I was trying to get help from the Mortgage Relief Program and they told me my loan needs to vibe a deferral. I didnt understand and thought that is what I had because my old servicer told me the money was going to the back end of my loan. What they in fact did was add the money I owed to the total amount owed and added XXXX  years to my mortgage so they could get there interest back. I feel duped. I did not know I could have just got a deferral of my forbearance amount that had to be paid if I sold etc and would have to pay a. Additional XXXX  years of interest on that amount also. My loan went to XXXX  years in XX/XX/2022. My loan has now been bought by XXXX XXXX. I can provide those documents too.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Talked with XXXX from Capital One ( would not give last name or # ). Capital One had said they had informed customers via addendum notification in statement of 'billing cycle change ' from 28 day to 25 day. Because I had no charges during that month, I did not receive statement or accompanying 'billing cycle change ' notification. I asked for copy of that 'billing cycle change notification ' and was told they can not provide one.