davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I have a HUD reverse mortgage. 
I have a negative balance of {$4900.00} to which I am paying {$89.00} per month. I am current in my payments. 
I had a fire to my home. The insurance has paid {$200000.00} which was submitted to Wells Fargo in XXXX. Wells Fargo is holding {$190000.00} and has released {$10000.00} on the condition that they will not release any further funds until the home is 50 % repaired. It is impossible for me to repair {$100000.00} worth of damage with {$10000.00}. Wells Fargo is stating this is HUD 's policy. Therefore I am unable to repair my home and Wells Fargo has not provided any solution while holding {$190000.00}. I have complied with every request from Wells Fargo and was advised that they were releasing {$49000.00}. It has been almost 4 months and I still can not begin repairs to my home because Wells Fargo is holding the funds.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

I opened a SYNCB / XXXX XXXX  account years ago. It reports as a charged off account on my credit report. For the last few weeks ive contacted Sync and provided my social BUT they can not locate my account so i cant pay
Consumer complaint received 2019-01-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

This is the Second time this company has failed to refund an escrow overage within a timely manner. They usually take over 30 days, and often what is said is not usually done. XXXX XXXX, loan serviceer for USAA, Has withheld my escrow overage check. The loan closed XX/XX/XXXX ( was paid off XX/XX/2018). I called several times : Tuesday : XX/XX/XXXX- Check was disbursed XX/XX/XXXX and XX/XX/XXXX it was sent out. No tracking number was given. I notified them that I had not received that check only a pay off overage for {$30.00}. No viable resolution was offered. I offered to pay to have it shipped overnight. XX/XX/XXXX another check was disbursed again with no tracking number. XX/XX/XXXX I spoke with the executive resolutions department - XXXX & her supervisor XXXX. I called again today & was told again, The stop payment was approved. I have been promised yet another Date Friday ( XX/XX/XXXX ) for direct deposit this time. XXXX XXXX is certainly doing a disservice to any USAA member. 3months ( when by law its supposed to be returned within a 20-45day time period ) to receive any refund is absurd and this unethical business practice was the sole reason we paid out of pocket to refinance with another lender.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (TX)

My BBVA credit card is killing my credit score. 

My credit card limit was decreased without any warning. It went from {$4400.00} to {$3500.00} in XXXX. I was not given a reason. 

I have made all of my payments on time and I have never gone above the spending limit. 

This caused my credit score to go down because my available credit was reduced by {$900.00}. 

I have now been told that they closed my account on XX/XX/XXXX without telling me. 

Also, I am no longer able to make payments online so they charged me a late fee after I got an error on XX/XX/XXXX. XX/XX/XXXX I called to inquire about the computer issue. 

When I asked why my account was closed they transferred me to XXXX  .... 

They would not let me speak to a manager or anyone who could answer WHY my account is closed.
Consumer complaint received 2015-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Harassing phone calls XXXX times a day. 5-6 days a week. When we answer they hang up. I attempted to call them to find out why they keep calling and when I ask them to disclose reason for their call they hang up on me. They also refuse to answer my questions as to their purpose of constant harassing calls and refuse to answer my questions when I ask what the matter is about.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NJ)

I had a mortgage from Guaranteed Rate affinity LLC. when I purchased my home in XX/XX/2020. 

> I was asked to pay 12 months of Insurance payment in my closing statement. I had paid for it. 
> However when the Insurance company had asked for the amount, they had not dispatched the payment on time despite telling me that they have done so when I had called to confirm. 
> They had finally dispatched the amount after the insurance  company had cancelled my insurance retroactively ( 2 months into the loan ). 
> I was subject to undue XXXX as I could not convince the insurance company to reinstate the insurance. I had finally after much shopping able to find a new Insurance going forward and got and paid for it. 
> Despite messing up the insurance, Guaranteed rate had put in an expensive Lender Placed Insurance and hit me with a charge ( almost 6 times the cost of the original insurance I had placed ) > They had transferred my Mortgage to XXXX and applied a credit of the amount with my Mortgage > I had disputed it with XXXX and when on a conference with Guaranteed, their representative had agreed to dispatch the amount to XXXX so they can take away the credit. 
> But the check was never sent. When I had called them, they completely disagreed that they had agreed to pay and are giving us lame excuses each time. 

At a pandemic time when we are trying hard to keep our mortgage commitment, Companies like this are incompetent in handling their escrow and are charging the consumers for their oversights. Asking me to pay for something I had already paid for and transferring the loan to a 3rd party without resolving their error tantamounts to fraud. I have all the evidences for this that I am willing to share. I had already raised a complaint with XXXX ( Complaint ID XXXX ). When we are trying to resolve this with them, their agent had hung up with me without resolving and giving a new lame excuse ). I request your agency to audit this company and have them repay the amount they have charged me for their mistake. The loan account number is XXXX. I am attaching the following : ( 1 ) my closing statement showing that I had paid for the insurance for 12 months in advance to their escrow department ( 2 ) Email where I had reminded them to dispatch the amount to the insurance ( 3 ) Letter from the insurance company stating that they are cancelling the insurance due to non payment of the due ( 4 ) My letter to Guaranteed Rate asking to resolve the issue that is still pending.
Consumer complaint received 2021-10-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I was stricken with XXXX XX/XX/XXXX as a provider seeing patients. I began forbearance with XXXXXXXX XXXX XXXXXX/XX/XXXX i attempted during forbearance to continue to pay partial mortgage payments to them in the amount XXXX until XXXX to sick to continue work and pay. I completed the forbearance went into modification XX/XX/XXXX the terms was sign during and after the XXXX XXXX payment of XXXX the loan was transferred to PHH mortgage during this time the escrow amount was wrong did not include home taxes and insurance in which before my illness was included. I told PHH in XXXX when loan was transferred it was wrong after spoke to many agents at PHH no one listen until XXXX during this time i was asked to continue paying XXXX trail payment in which i did. There were 5 total payed to PHH. No one at PHH can tell me where the suspense payment went to until 1 week ago PHH stated the funds went toward the mortgage payments while I was in forbearance and the recent payment went toward monthly mortgage payment while in modification. A new monthly mortgage payment of XXXX state not written by the servicer stated starts XX/XX/XXXX still I have not received a breakdown of all payment made where they went. They are asking for a 6 trail payment for XX/XX/XXXX in which I was told by me calling of another XXXX plus new payment of XXXX mortgage XX/XX/XXXX payment and if I do not pay they will keep the monies payed a put the home in foreclosure. I have contact the Texas Mortgage Consumer Affairs ' put in a complaint with XXXX now your agency. PHH has threated several times with door hanger notices that they will foreclose my property I have never been late on my mortgage before my illness even during my illness I attempted to pay. I need help please. They want me to continue to pay without letting me know where my money is going. Before illness I owed XXXX. PHH is stating I owe XXXX more. When speaking with PHH they blame XXXX its not my fault the loan was sold incorrectly but I have to pay the penalty. A check for XXXX for XXXX payment was sent via USPS regestered
Consumer complaint received 2021-10-29
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: Resurgent Capital Services L.P. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (DC)

I have been trying to understand the terms of my student loans from graduate school. The loan originated with XXXX. It was purchased by another bank, then XXXX XXXX and now Navient. When I looked at my account, the interest rate remains the same but now the end date is XX/XX/2032. I attempted to call the XXXX XXXX XXXX and before that this morning I called Navient directly. For both calls I was unable to reach a manager and was informed the agent is offshore in the XXXX. No one can tell me the details of my service loan and it has been purchased many times.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX. In XXXX XXXX Bank of America who holds my Visa card, acted in collusion with Bank of America Mortgages, and arbitrarily reduced my credit line to about {$50.00} over my current line. As you know, this has negatively affected my credit score which for the past several years has been negatively affected by Bank of America and its lack of sufficient documentation and lack of clarity on loan amount. My mortgage loan balance is approximately {$12000.00}. Bank of America has returned several ( XXXX ) payments to me, thus showing on their ledgers an unpaid month, then in turn, they charge me with late fees and penalties.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION (FL)

I noticed in or around XXXX strange emails I was receiving that appeared to be from unhappy people that had apparently order something but we're scammed. And my email & a XXXX account that was never activated were tied in. I notified XXXX, sent them copies of emails, discussed at length & was told it should be taken care of by XXXX. Then in XXXX, also this year I get a notification from my personal bank Vystar Credit union, the XXXX Florida branch. My husband & I opened both a personal account & a savings account jointly. We put I believe {$25.00} in the savings & very little in checking. It was going to be mostly for him to be able to cash checks he's paid by clients with & to try to save. We actually only made a couple small purchases through it, not deposit more money, we are broke. 
In the notification we we're being told this was our final notice of having over drawn considerably & needed to get it paid clear with in five days or loose account. I was shocked. And we got that it appeared to be several withdrawal within a couple days through the same XXXX account I never opened. I never requested a XXXX account, and so when I did receive a card from them have never activated it. I'll be cutting up all the cards now, XXXX & Vystar. 
After several unsuccessful attempts to reach the right department, ( Members Solutions Department ) was finally talking to someone, can't remember name or if I was told one, bank finally, rudely agreed to dismiss some of the fees but ot all. I felt I didn't owe. I said so. Told to pay ASAP. I called XXXX, assured they were taking care of investigation on account but would not cover the bank charges. I called the bank back told must pay. 
But also informed on second call to vystar that my debit & ATM card had been frozen for non use months earlier. Now I was not made aware of this before. And I said I was not happy because I was clearly scammed & they did not try to call me, or email, only received the one Finale notice. But quickly and rudly told " they were sure I'd be able to come up with the payment to them by the end of the month '', even after I clearly explained we were not doing good & are broke. " they should have caught this quick & notified me imidiatly. Instead I'm told to pay, doesn't matter if it was identity theft, pay. And I would have to wait six months, or something crazy, husband to, & have account in good standing, go to bank in person & ask to get my cards back, beg. This was absurd. I'm not interested in this bank that doesn't care about us. 
I would like to see them change the rules, policies, collections, & investigation process. Also I want this account closed with a letter of apology on how it was handled. And I believe my husband & I are both owed fair remedy amount from the bank for the inconvenience, poor handling, rudeness, & lack of care. I would say {$200.00} each. They can mail us each a check with the letters of apology.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (DE)

Discover Card Checking account was given orders to pay automatically every month on XXXX day {$500.00} towards loan to XXXX XXXX for the car purchased in XXXX. Loan expiration date ( without interest charged ) was XX/XX/XXXX. Last payment on the loan was made on XX/XX/XXXX. At the end of XX/XX/XXXX XXXX mailed us a title deed for the car since the loan had been paid in full. In XXXX after paying the last {$500.00} payment I have cancelled that payee. In XXXX no payment was made but in XXXX suddenly the payee- XXXX XXXX appeared again and the payment was made on XX/XX/XXXX. XXXX returned the payment on XX/XX/XXXX. I called Discover and asked why that payment was made and why the payee - XXXX XXXX was restored. Person who talked to me indicated to me that he would call me on my cellular phone but instead of calling me on that phone he closed the line. I deleted that payee yet again. Then my husband on XX/XX/XXXX received e-mail informing him that our Discover account had Not sufficient funds. When I went to see the account I found out that on XX/XX/XXXX payment was made again to XXXX XXXX which caused the depletion of our funds in that account. The following day funds were returned. Today, XX/XX/XXXX I and my husband called Discover and went through four people : XXXX from XXXX, XXXX from XXXX XXXX XXXX, XXXX from Arizona again and the last lady 's name I did not record. She put me on hold for more than half an hour claiming that my identification was blocked and then fraudulently claimed that it was XXXX XXXX who demanded the restoration of the payment. Title deed was issued on XX/XX/XXXX and copy is attached as well as the last XXXX statement from XXXX XXXX.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I have tried endlessly to report this fraud to Kohls and they dont do anything. They state they will file fraud reports and then just tell me its not fraud. I have not made purchases on this account and they closed my account and they are reporting it as delinquent and adding late fees and now they are saying there are two accounts. The Fraud Department wont speak with me and no one helps get this resolved as what it truly is FRAUDULENT CHARGES. They are now charging past due balances. 

I dont have any documents to provide and I am at a loss on this and so frustrated. They transfer me multiple times and they are reporting me delinquent on an account that I did not make purchases on. I finally got this much from them on one call and when I questioned things I was then put on hold and hung up on. 

Account Balance : {$300.00} XXXX : {$120.00} XX/XX/XXXX : {$46.00} Purchase : {$80.00} Late Fees I was transferred at least five times every time I call them. And then they just put me on hold and then hang up. 


Please help me anyway you can just want this balance to XXXX and never deal with them ever again.
Consumer complaint received 2022-10-10
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: SYNCHRONY FINANCIAL (WA)

My paypal account offered me a targeted credit card offer for 3 % cashback with a {$150.00} sign up bonus if {$500.00} is spent in first 90 days. Offer expired on the XXXX of XXXX. On the XXXX of XXXX I went on my paypal account to take advantage of the offer mentioned above and it was changed. I now have an offer to apply but the 3 % cashback and {$150.00} sign up bonus has been removed from the offer.
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I am writing to formally lodge a complaint against Flagstar Bank for inaccurately reporting a late mortgage payment to credit reporting agencies, which has unjustly affected my credit score by nearly XXXX points. This incident is not only a breach of trust but also a failure in their duty to process payments as instructed by their customers. 

In XXXX, XXXX I provided explicit instructions to a representative of Flagstar on how to process my mortgage payment due that month. After assuring me at the end of the call that everything was " good to go '', and thanking me for my time, I found out the following month that the representative had not in fact processed the payment, and no attempt was made to inform me of this oversight. It was only upon receiving a call from Flagstar in XXXX, XXXX, inquiring about a " late '' mortgage payment, that I became aware of the issue. 

Despite my surprise and immediate action to rectify the situation by providing payment instructions for the second timewhich were then correctly processedthis error has led to a XXXX point drop in my credit score due to Flagstar 's initial failure to process my payment as instructed and their subsequent reporting to the credit agencies that I had made the payment late. 

Furthermore, I attempted to resolve this matter internally with the bank by submitting a Credit Reporting Review Request, explaining the issue and highlighting my longstanding relationship with the bank ( I have two mortgages with the bank, # XXXX and # XXXX, that I've had for years and have never made a late payment ). Outrageously, my request was denied without any explanation or further recourse provided, reflecting a lack of consideration for customer service and the impact of their error on my financial standing. 

This situation has caused me undue stress and has materially impacted my creditworthiness due to no fault of my own. I have always prioritized my financial obligations and maintain a strong track record of timely payments, as evidenced by my history with Flagstar Bank and other financial commitments.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Todays date : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX