davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I paid off my mortgage loan with Ocwen Loan Servicing , LLC on XXXX XXXX, XXXX ; however, I have not yet received the lien release document. 

I first contacted Ocwen regarding the lien release document in XXXX XXXX. I was told it could take up to 6 months, depending on the county and state of record. I waited and made several calls during XXXX, receiving the same standard " it takes time. '' On XXXX XXXX, XXXX, I insisted that my call be escalated to a supervisor. I was told that according to notes on my account that my file had been forwarded to the legal department on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I was notified by XXXX ( XXXX ) that my case had been turned over to the Lien Release Department. Someone in Lien Release needed to work with XXXX XXXX, the company from which Ocwen purchased my mortgage loan. 
On XXXX XXXX, XXXX, I contacted Lien Release, requesting an update. 
On XXXX XXXX, XXXX, I was told that my file had been transferred to legal and it might be several months before the issue was resolved. 

I reminded the lien release rep that my file had already supposedly been forwarded to legal and that I had paid my loan off 21 months prior. I was not given any contact information for the legal department. 
As of XXXX XXXX, XXXX, I have received no update from legal or anyone else at Ocwen.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-03-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MD)

Caliber Home Loans agent XXXX XXXX was handling a cash out refinance that would have helped pay off a trailing second mortgage and some debt on my credit report. The appraiser XXXX XXXX devalued my home by 120,000. I have a 5 bedroom home with 3 full baths and 1 half bathroom. My report has all of the rooms and bathrooms labeled but is inaccurately reflected in the report as being a 4 bedroom home with 2 1/2 bathrooms. I have a two car garage attached to my home then a separate 3 car garage structure that is missing from the report completely. My home was compared against homes that do not reflect what my home possesses. XXXX XXXX stated that the loan was denied and there was nothing Caliber Home loans could do to assist me. I feel defrauded and devastated by this process. Please help me.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (NY)

I previously contacted National Recovery Agency to settle the matter of an outstanding collections account. I offered to settle account and representative stated that she would call me back with approval to settle the debt. In the meantime, she recommended that I set up payment plan to avoid any further calls or potential credit bureau reporting. After several days, I contacted the same representative and she stated that she would call me with a settlement resolution. In my communication with the representative she stated that I could settle for approximately {$700.00}. Months later and after paying XXXX towards my balance, I contacted NRA who confirmed that my settle request was approved in XX/XX/2017. They alleged that they tried to reach me but to no avail. If I was still interested in settling account, i could do so by paying 50 % of the remaining balance with is approximately {$400.00}. I stated that I did not receive a call, phone message or letter responding to my initial request and they indicated that it was not their responsibility. I also requested to pull the record of my phone calls and a compliance representative by the name of XXXX XXXX ( XXXX ) tried to deflect and intimidate me by indirectly calling me a liar.
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

I had an account with Paypal and was using it to handle some online transactions involving our website. I had a balance of {$920.00} USD in my account and suddenly one day my account funds were frozen. Around late XXXX, Paypal claimed that I violated their Acceptable User Policy and as a penalty froze my money for which they said would be for 180 days. On XX/XX/XXXX Paypal completely withdrew all of my funds and kept it for themselves. The Paypal transaction ID is XXXX I tried to contact them multiple times over the next couple years to recovery my funds but rather than let me explain that there was no violation of any Acceptable User Policy, they refused to hear my situation and kept rejecting my requests for the account funds to be rightfully returned to me. 

They claimed that I sold adult content using their platform. However, what I sold was just online VIP membership upgrades via the chat software we use on various websites throughout the internet. There was absolutely no adult content being sold. 

I tried to explain this through multiple channels and reached out to various departments but the rejected me each and everytime.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC (TX)

MAC also known as Mediation Account Center continues to call and harass me daily. They are calling over a debt that I do not believe I ever took out and it approximately 10-15 years old, well past the Statute of Limitations for debt collection. Numerous agents have threatened me and have called family members. They threaten me with jail time and other repercussions, despite refusing to validate the debt. They threaten me with a summons to go to court, which they refuse to send. They called me numerous insults like liar, deadbeat, and loser. They also gave out my full social security number and date of birth over they phone. They continue to robocall daily from new numbers, the most recent numbers being ( XXXX ) XXXX and ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX They also refuse to honor my do not call requests.
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

Dear Sir/Madam, Last XX/XX/XXXX my daughter XXXX XXXX XXXX, XXXX   years of age experienced XXXX XXXX and XXXX while we were having a 3 day vocation in XXXX XXXX, Nevada. We brought her at the emergency room in a hospital in XXXX XXXX. 
At the emergency room we informed the nursing staff that we do not have a health insurance. We informed them we can only pay the emergency room fees since we do not have a health insurance. 

A practical nurse examined my daughter and gave her XXXX XXXX XXXX. There was no Emergency room physician that examined my daughter and after paying the emergency room fees of US {$600.00} through our credit card we were discharged from the ER. 

However, after 4 weeks a collection agency keeps on threatening us that we need to pay our balance of US {$880.00} for the doctors fee. Even though there was no medical doctor or Emergency doctor that examined my daughter. The collection agency keeps on writing and calling us since last year and threatening us that they will report to the three credit bureau .for our debt collection. I am a XXXX XXXX and my wife is a XXXX XXXX XXXX XXXX  visiting from XXXX XXXX XXXX and we are aware that only a nurse examined my daughter and gave us a prescription her XXXX. 

Collection agency.is making a fraudulent claim and this unfair practices should be stopped and they should be reprimanded for false claims. 

XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) are harassing us through phone calls and letters. 
Creditor XXXX XXXX XXXX XXXX Account XXXX Amount : US {$880.00} Service Date XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SD)

Contacted Equifax four times on XX/XX/XXXX. I had attempted to create an online account with Social Security Administration, the morning of the XX/XX/XXXX. It was denied. I called the SSA and they informed me that an alert had been place on me and I would have to contact Equifax to resolve situation. My first four calls were unsuccessful with the automated system, I then was a to chat online to get a phone number to talk to a " real '' person. I talked to the agent who could not answer my questions, Why is there an alert on me, how did it get there and why was I not notified? I then talked to the agent 's supervisor, no satisfaction there, so I talked to their supervisor, still no answers and finally another supervisor, still no answer to my questions and if fact roadblocked to further inquiries. I believe I gave them sufficient verification of who I am and my questions. Equifax should not have a license to do business and I would recommend the Social Security Administration no longer use Equifax as a resource.
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I have my loan through Chase. Chase reevaluated my mortgage payment and they raised it due to escrow. The increase in payment was three hundred plus dollars, on a XXXX mortgage payment. In the meantime, In XX/XX/XXXX I filed for a homestead exemption with my state in XX/XX/XXXX. I called multiple times at the end of XX/XX/XXXX and all through XX/XX/XXXX and was told they would accept an estimation. All the while explaining multiple times to multiple people that the XXXX central appraisal district ( XXXX ) updates everything on the XX/XX/XXXX. But I was told that the estimation would be enough. Now we come to XX/XX/XXXX I spoke with the escrow department and was told nothing will change. Also, that I would have to pay the higher payment till XX/XX/XXXX till they do a escrow analysis again. I emphasized the point of the XX/XX/XXXX update again and was criticized by the agent for requesting the escrow analysis too early. Even after explaining that I was told to request it because I was told they would accept the estimation. She was telling me it was my mistake and not Chases for the misinformation. After much argument they ordered another analysis. In the bulk of the call she threatened to do nothing about the issue. At this point I am waiting for this to be fixed, and dont take a like being blamed for being what I was told to do, and just want to pay what I am supposed to pay. Who knows how many people they are overcharging and keeping in their accounts till the end of the year, either gaining interest or getting more money to loan out.
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a Credit Card with Capital One XX/XX/XXXX. I fell behind on the payments but I paid off the debt I owed XX/XX/XXXX. It is still showing up on my credit report as a closed account and is the reason XXXX cant get any credit. I would like it removed from my credit report please!
Consumer complaint received 2023-03-30
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. (NY)

XX/XX/2022 : XXXX - {$650.00} I lost my card and on XX/XX/XXXX I got a fraud alert on my phone indicating that there was an attempt to use my card at XXXX for {$650.00} and I had accidentally pressed yes and the transaction went through. I quickly realized my mistake and called the bank to dispute this amount as fraud because it was not me and Chase said it would take care of it and not to worry about the transaction. Fast forward to XX/XX/XXXX and they reposted the amount to my account and said that they did not find any evidence of fraud and I'm now responsible for these charges.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am uploading proof that the XXXX XXXX XXXX account was deleted off my XXXX   credit report. Experian and XXXX still have not deleted it off my credit reports. This information does not belong and is supposed to be deleted.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MS)

Some one stole my debit card and atm n stole money i informed wells fargo n they end up putting my account in the negative after they gave me a temporary credit for purchases i didnt do. They also closed my account after fraudulent account been going on.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc. (MI)

I applied to get my home mortgage refinanced with SoFI. In order to start the process i had to get appraisal done and i paid SoFI {$520.00} to have appraisal scheduled. 
Appraiser came on XX/XX/2021. In his report i found mistakes that would affect the comparable and value of the house. The mistakes i found were 1. Missing half bath, misreporting of updates by saying no major updates done in last 15 years where as complete first floor remodel was done in last 2 years plus second floor flooring and paint. At first when i brought this up SoFI loan officers did not understand and told me i needed to provide them with list of houses that would be comparable and all the details in " reconsideration of value '' document if I want to try to have the appraiser review his findings. Even after paying the money for appraisal i was told to fix the problem. They told me that because the underwriting had accepted the appraisal they can not do anything. i had lost my trust in the company at this point as they are accepting falsely documented information for such a big transaction. At this point i wanted to get my refund for the appraisal so i can go somewhere else for my refinance needs. They took long time to resolve the appraisal issue and that caused me immense stress and missed opportunity to get a good rate in timely manner. They insisted on fixing the report saying the value does not change since the missing info is not significant. Even though they gave me updated report it was prepared for SoFI and it is useless for me. I am still under distress because of this issue. Their own team is sending me decision that the mistakes on the report was not significant and we have decided to not refund the money. I believe that if it was the other way around and by mistake my house value was more because of an additional bath, they would have said it was significant and take money off so they can give me higher rate. I believe, they should refund me my money but I am really looking for an impartial 3rd party to give me a good reason why the company does not need to give me a refund. So i can move on and never work with them again. Thank you
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

Chase granted or approved me for a total checking account with a {$350.00} deposit made upon account opening. 2-4 days later, and they always do this, restrict my account due to processing of immediate forced account closure, account charge-off and end their relationship with me. They say it is done on a per account basis. 5 times in a 8 year time span. I feel they are being biased and discriminatory in their handling of my financial affairs, not always on the surface such as at a branch or over the phone, but in review when they look at my photo identification card ( s ) and make their banking reviews and lending approval/adverse decisions. Account was in good standing and representative stated bank was closing my account due to suspicious account activity and restrictions were placed. I only withdrew some funds via branch atm and check and processed financial balances and one attempted, failed, XXXX transaction. They should not have closed an account that was in good standing without attempting to verify activities with me first. I feel this is biased discrimination and prejudice in the financial institutions account handling in attempting business relations with financial institution JPMorgan Chase Bank. They say it a per account decision and not a or never was a permanent black-listing or ban from doing business with them ever again in, now or in the future but 5 times in an 8 year period is proving otherwise and it goes on with the credit bureaus they report to as well showing new negative banking activities information on my account XXXX  as charge-off account and account forced closed, or Closed due to suspicious activities for me to handle in the aftermath.
Consumer complaint received 2021-11-10
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: NAVY FEDERAL CREDIT UNION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

Citi Card company has kept charging me an interest although there has been no late payment ; I have paid in full or more money for the standard purchase every month. I called and visted their office, but their explanation was different every monthe. For example, first month ( XXXX ), they admitted their mistake and wavered the interest they charged. 
Next month ( XXXX ), they said there will be no interest if I paid in full for the standard purchase. 
This month ( XXXX ), They charged the intrest again even though I paid in full for the standard purchase. They said they have to charge interest until I repay whole balance including the balance transfer which interest should not be charged until XXXX, 2020. For example, I did balance transfer for {$6000.00} about six month ago as Citi Card said there will be no interest untill XXXX, 2020. For that reason, I paid a fee of {$180.00} for the balance transfer. I think Citi Bank is cheating people with the misleading advertisement and information. I attached Citicard statement for the month of XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Friend sends me {$300.00} on XX/XX/XXXX to my Venmo account, I never use the app but end up jumping through all their hoops. Password, bank account, identity, address, transactions, and after verifying all of that I log into today and my account is suspended. I received an email and I contact the help phone number, they begin to tell me that there is nothing I can do and I need to wait for the account support specialist to email which can take up to 5-7 days. I tell them this is unacceptable and ask to speak to a supervisor, when I spoke to XXXX she told me that she cant provide me with the details on why my account is suspended after performing all the above actions and then tells me its 7-10 days before I may receive an email. I ask why I cant speak to anyone and they said there is no way to contact an account specialist outside of email. 

They are refusing to verify me or put my account back into good standing so I can just pull the measly {$300.00} out and delete this. They have no right to hold my money without any justification or reasoning and tell me there is nothing I can do for 7-10 days. This is not ethical nor reasonable, I can literally go buy a XXXX faster than I can get a response. If they are going to hold my money then interest needs to be paid.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (PA)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the XXXXReport and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX ,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX. This 2nd tempt to remove the items and requesting a freeze.
Consumer complaint received 2018-05-09
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: Experian Information Solutions Inc. (NJ)

I dont know the exact time. they wont give me any information because the ssn dosent match what i gave them. Its not mines. I never received a car loan. I suffer from XXXX  and XXXX its hard to focus and deal with this situation. Its not my loan.