davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Spselect Portfolio Servicing is refusing a payment from the Federal and Texas CARES act to bring my defaulted mortgage current. 

I have been working with XXXX since XX/XX/XXXX and their CARES Act program to bring my default mortgage to date. The money is there. SPS  says they don't like the legal language in the Mortgage XXXX. 

I have lived in this house since XXXX, am a widow and am raising a XXXX XXXX XXXX grandchild. XXXX.. .wiped me out. I have been XXXX XXXX for many years and was keeping my nose above water after my husband passed away in XXXX of XXXX. He left us penniless and with an IRS debt of over $ XXXX. The IRS doesn't care that he was sick and stupid even though through his entire life? He paid taxes like clockwork. 

I have applied, applied and applied with XXXX. who is managing XXXX Texas counties. I have been accepted.. .but SPS Servicing is throwing a XXXX  into the machinery of receiving federal funds to get me out of trouble and keep me and my grandchild in our home. 

SPServicing should be investigated. They promised me ( via phone ) that my forbearance payments would be tacked onto the end of my mortgage. I do not have that in writing... simply words from some clerk doing work from their home in the height of COVID. 

Then... they demanded a full payment.... I am legal now, waiting to be foreclosed on. I have tired everything in my power to get federal help under CARE and it looks like that was going to work until SPServicing 's legal department threw everything out and said they wouldn't sign FEDERAL documents. 

Is this fair? What am I supposed to do? 

The IRS has a lien against this property. 

I owe $ XXXX against a home in very poor repair. My upstairs XXXX XXXX is on the fritze. Parts are falling off the house. Many repairs are needed. 

But.. I live in Social Security and Child Support.. which I just started receiving two years ago. Had to take my son to court to receive child support. Have had his child since she was XXXX years old. She will be XXXX on the XXXX of XXXX. 

I am old. XXXX. I am lost. I am about to lose my house because I TRUSTED SPSERVICING. 

They are XXXX XXXX XXXX. Nothing they told me on the phone? Is truth. 

XXXX XXXX XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MO)

I closed on my new house on XX/XX/XXXX with a first payment due on XX/XX/XXXX. 

I made the first payment to my original mortgage company, XXXXXXXX XXXX, on XX/XX/XXXX, 7 days early. The mortgage was then sold to Chase Bank effective XX/XX/XXXX. I immediately set up autopay with Chase for the future payments after seeing it attach to my existing Chase account.

Chase did not have the information about my first payment, and I received a statement saying that the payment was overdue. I spent an hour or two trying to reach a customer service agent who informed me that this happens when mortgages get transferred, and that it was likely nothing to worry about. He suggested calling the original company to verify that they had the payment and would be submitting it to Chase. I spent another hour confirming it.

The collection calls from Chase started the next day. After waiting on hold to talk to an agent, and then a supervisor, they just want me to disregard their phone calls saying my mortgage is overdue. XXXX XXXX, a supervisor for the collections desk, tells me that these collection calls are part of standard policy, even in my circumstance. I'm 100 % certain those calls and the notice they sent will be used as evidence if they try to foreclose - how can I possibly " disregard '' them? 

I have paid my mortgage, and they're harrassing me for a payment. I had nothing to do with them buying the loan from the original company. I had no say in whether the information transferred correctly. They've made it clear that they KNOW that this happens in error. Knowingly calling to collect a debt that is not owed, particularly when my home is at stake, is harassment at best.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I remotely deposited a check in the amount of {$2000.00} on Friday, XX/XX/XXXX into my Charles Schwab checking account ( account number ending in XXXX  ). As of Tuesday, XX/XX/XXXX, the funds were not made available despite telephoning the bank to request the funds be made available. The customer service agent insisted that the bank had rights to hold the funds until Thursday,XX/XX/XXXX even though I said that funds deposited via check should be made available by the next business day, which would be tuesday XX/XX/XXXX at the latest.

Very disappointed that the customer service agent did not escalate my request despite my efforts to explain the funds availability requirements under applicable federal law.
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I made arrangements on this account XX/XX/XXXX and XX/XX/XXXX. During that time I was unemployed and there was a extensive waiting period for unemployment benefits. I was able to make payments with my income tax return and my stimulus check however with my unemployment still pending I fall behind on all my bills. 
I was in communication with XXXX XXXX. 
The late payments were reported to the credit bureaus. Per the CARES ACT if the borrower makes arrangements of any kind it is to continue to report the same prior to the delinquency. XXXX XXXX failed to report it correctly. And the credit bureaus have failed to comply to the cares act. 
XXXX XXXX Account Number : XXXX Late payments reporting XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

on XX/XX/2021, i sent a letter to PORTFOLIO RECOVERY ASSOCIATES about a alleged debt of XXXX and requested them to cease and desist everything until i received the validity of the alleged debt that they say i owe.it was sent usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Sun, XX/XX/XXXX, XXXX XXXX.
Consumer complaint received 2021-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Although significant medical impacts and telephone impacts at the same time no mitigating circumstances allowed or consider XXXX YOU and no dispute or consideration! Note all outstanding creditors have been addressed and to date with 90 % paid XXXX balance and the other two current are in dispute and negatives challenged for years NOT CORRECT or addressed -FACT- to date! And still me and my wife 's credit report is at XXXX and hers significantly under ; respectfully. What a farce. To boot- as mentioned so many times- the disputes have NOT been resolved because as I mention in my opinion the bias toward the lenders and the lenders NOT providing what I requested and reply they are " working on it '' ; HA! Opinion financial hostages to a system and organizations that just do not give a XXXX and utilize for reporting incorrectly information provided by the lenders can not be disputed even though they will write pages explaining their position. Opinion- all fluff CYA! As for the CFPB brothers in the same cause - useless farce.
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

A law firm called XXXX XXXX XXXX filed a lawsuit in a XXXX XXXX XXXX in Florida for an alleged debt I owe to American Express in the amount of {$43000.00}. 
They mailed me over 400 pages of charges made by someone on a credit card obtained in XXXX by a person who has part of the name similar to mine. 
I have contacted the law firm and American Express several times and they have not been able to resolve that I am the wrong person. I have authorized them to review my credit report, I have offered all the information they ask for, I am willing to do whatever it takes to prove that I am not the same person. 
Today, XX/XX/XXXX, I called American Express, XXXX XXXX XXXX XXXX and they say it takes up to XXXX days to get back to me. 
Today, XX/XX/XXXX, I also called the law firm and the person who answered me, XXXX XXXX, said that access to my account is blocked because they are investigating it and that she has no idea when they will have an answer. She told me that the investigators from her firm do not accept calls. This whole conversation is recorded by that same company. 
In the meantime I have XXXX days left to respond to the legal claim. 
I am a citizen of the United States, I have lived in this country for 4XXXX years and my resume is impeccable. I have never defaulted on a debt, my credit score is over 800. I have never had the slightest legal problem in my life. 
This unfair situation has my wife and I under maximum stress. I am XXXX years old. I am a XXXX  with an extensive background and I can prove all the acts of my life have been correct. 
I do not want to and can not hire a lawyer to defend me for something I do not owe. I do not understand why neither of these two companies can give me an answer immediately.
Consumer complaint received 2019-08-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XXXX, I set up a {$1500.00} burial account for my then XXXX-year old mother who lost her eyesight and had to move into a long term care facility, at Citizen 's Bank in a " green savings '' account. She also has a checking account there where her social security payments are directly deposited. I am the executor of my mother 's estate and was told when I set up the account that there would never be fees withdrawn from this {$1500.00} burial account. 
I just noticed that on XX/XX/XXXX, a {$10.00} ( dormant account fee ) was withdrawn. I called Citizen 's and they told me that unless a deposit is made every month in the burial account then she will be charged $ XXXX/month going forward. 
The government only allows my mother to hold {$1500.00} in this account which is purposed for funeral expenses. I was told that Citizen 's has now changed its policy and will withdraw $ 10/month from this account unless a deposit is made, and that I should know because it is in her paperwork. I can not move the {$1500.00} into her checking account while she is in long term care because the government will not allow her to exceed {$1500.00} in her account and she will be forced to turn it over to the long term care facility.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I requested my information from Equifax XX/XX/XXXX and upon receiving it my birth date along with other personal information was correct. I disputed what I could via online XX/XX/XXXX and then I faxed a letter ( 1XX/XX/XXXX ), a copy of my ID, a W2, and a bill to show the correct information. Still my birth date that another individual was allowed to change was not changed to my correct DOB. Fast forward to XX/XX/XXXX I mailed a letter with the same information that I faxed XX/XX/XXXX and still my information has not been changed with Equifax. I can not request a copy of my file because my information does not match, when I call i'm told to fax over proof of my identity to be able to obtain my own credit file. They are constantly giving out data pertaining to me to everyone but me and it is incorrect.
Consumer complaint received 2021-08-24
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. (MI)

XXXX XXXX  ASKED BUREAUS TO NOT REPORT DATA FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. BUREAUS NEED TO FOLLOW REQUESTS AND DELETE. THIS IS NOW PAST DUE.
Consumer complaint received 2018-07-06
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. (CA)

Last XX/XX/2018, I sent a letter to XXXX including a copy of my FTC report and a copy of my police report. On the same day, I also sent this credit bureau a letter to dispute some items on my credit file, name : Bankruptcy Ref # XXXX and XXXX ref # XXXX. The Bankruptcy reported 's open date is incorrect and this item doesn't belong to my credit report. For the XXXX account, there has been problems receiving statements and notification due to Id theft and stolen mail. I called XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX, and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMO Bank, N.A. (IL)

I have answered multiple times on my old phone told them to STOP CALLING this has been going on every week on mornings at XXXX & im an overnight worker so I'm sleeping for over 2 years now or longer I blocked their number but it shows the missed calls for months so when I got my new phone I unblock the number again to see if I work with them on this but I'm no longer going to work with them since even after being told they are harassing me they continue to do so I am contemplating on getting with an attorney to open a lawsuit because at this Point I feel they owe me payment! 

I will attach screenshot & ANY calls with time stamps is me answering informing them to stop calling as my phone won't log any time stamps without actually answering this is the evidence that I have Please note I can also charge the 2 other phones I have with the same missed call log & me answering telling them to stop or they have the wrong number
Consumer complaint received 2024-03-23
Product: Credit 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. (VA)

In XX/XX/XXXX, I applied for a Double Cash Credit Card with Citi. At the time ( as is still ongoing ) there was an advertised sign up bonus on their website. It stated that new cardholders will receive the equivalent of {$200.00} in Thank You Points after spending {$1500.00} in six months. This bonus was advertised both on their website and third-party sites with no listed caveats beyond not having received the bonus on a Citi Double Cash account in the past. 

I applied and was approved for the card in late XXXX. I did not receive the initial card sent to me, so I called customer service who sent a replacement card in early XX/XX/XXXX. Once I received and activated the card and proceeded to spend the required amount to receive the sign up bonus in XX/XX/XXXX. 

After waiting two full statement periods, I noticed the promised bonus had not yet been applied to my account. I called customer service on XX/XX/XXXX to inquire as to I had not received the bonus. I was told " I was ineligible '' for the bonus. When I asked for more details as to why, I was not given an answer beyond my " not being eligible. '' I then asked to have my inquiry escalated and was told they would open a research case and update. me within 5 to 10 business days. 

After waiting considerable time without a response, I called Citi customer service XXXX XX/XX/XXXX. I was again told that they did not see my account was eligible for the bonus. I was able to provide " proof '' of the bonus, it could be applied to my account. However, no proof is available. I applied from the Citi website where the sign up bonus is publicly and widely advertised. My new account disclosures only contain information regarding interest rates and account terms. 

I feel that Citi is partaking in false advertising by refusing to provide the advertised bonus to all customers. This bonus is not targeted and has no limitations beyond what I stated earlier.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I checked my credit report, and it says I opened a credit card in XX/XX/2019 which I did not do. My credit score wasnt even strong enough to be approved for any type of credit, and the account is already in collections not even one year after it says it was open. I did not apply for this card, and I do not understand why its on my account
Consumer complaint received 2020-02-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (FL)

I have an account with paypal. went to use it 3 weeks ago and could not log on. Was told there was fraud and so they closed the account and recreated it. Since then I have not been able to logon. Multiple calls and hours spent trying to get help logging on or to close my account and get my money back I keep calling and ask to speak to a supervisor and CAN NOT get my money sent to my bank account.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I am submitting this claim involving Specialized Loan Servicing ( XXXX ). From XX/XX/XXXX till JXX/XX/XXXX I was in there 6 month program to catch on my mortgage and which I completed that after paying  {$620.00} for six months. And, now there saying I owe additional fees after 7 months of not hearing anything in reference to additional fees, my XX/XX/XXXX payment went from {$580.00} to {$670.00} and while in the program I was told by a agent No additional fees for scheduling my payment by phone and by scheduling my paying on the XX/XX/XXXX of each month while in the program. I stared my regular mortgage on XX/XX/XXXX of {$580.00} and scheduled by phone to be paid XX/XX/XXXX and no agent mention to me about and other additional fees, now I see my XX/XX/XXXX payment has a extra fee of XXXX something dollars after seven months. How could any home owner go 7 months without knowing about additional fees after knowing being told No fees applied for scheduling by phone and scheduling to pay on the XX/XX/XXXX of each month while in the program. I really would like these fees to come off my account because its unfair on my part. Thank for your help and time XXXX XXXX
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (TX)

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021, I retrieved a letter from Comenity Bank and discovered an inquiry that I have no knowledge of ( XXXX  Inquiry date XX/XX/2021 ). 
Because I did not apply for credit with Comenity Bank. 
Please launch an investigation of inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Comenity Bank is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XXXX XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with XXXX.