davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I received notice that due to an escrow shortage, my monthly payment is increasing by over {$700.00} which is over 27 % starting in XXXX. I called to request this shortage pay back be spread over more months to help offset the cost. SPS Mortage refused to work with me even though this escrow shortage was not my fault nor did I have control over it. In XXXX the monthly payment is set to increase by {$880.00} dollars per month. SPS Mortage is being punitive to customers that are in financial distress and is unwilling to work with homeowners to allow them to keep their houses.
Consumer complaint received 2020-06-01
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. (IL)

I contacted to asked why my credit score dropped from XXXX to XXXX after settling a bill and the representative could not explain why. I advised him that I review my credit report monthly as I am a divorcee who has been working towards getting my credit back in tack. So I've been paying my debt off over a per of four years. So I'm watching my credit. He stated per his investigation he found some other outstanding collection information on my credit. However, the information he provided was already there and has been for several years. It was not the root of the problem. Those are the accounts I am paying off. The two collection items for {$990.00} and {$210.00} were already fractured into my credit report. 
The representative could not explain to me why my score dropped instead of increasing as it did with the other two credit bureaus. The representative then when on to tell me that I can get the information free if I sign up with my equifax. I am glad they have a program but he did not solve my problem. I want to know why my credit score went down and did not increase once I settled my bill. It appears that someone made a mistake and they are not trying to fix there error.
Consumer complaint received 2015-05-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Hidden charges just discovered was charged over two years XXXX service fee no charges grandfathered in when I open the accounts combined circle gold checking and savings charged for over draft fee to move funds from XXXX account to the next account this is another hidden charge I did not agree to the overdraft does not apply whe the account was opened in 2010 in XXXX NJ the account provision was without any of these charges for the life of the accounts as long as they remained open additionally charged for nsf funds when the bank process reported unauthorized charges I attempted to report fraud and unauthorized charges of {$110.00} which caused sever other checks nsf for which I was charged .. when the accounts were opened features such as free credit report access were placed on the account as a life of account free service recently I see this service was removed with out my knowing or requesting this
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Points LLC (FL)

To Whom It May Concern, I am writing to file a complaint against CreditPoint720 for their failure to cancel my account and continuing to charge me despite my attempts to cancel their service. 

I subscribed to CreditPoint720 's credit repair service back on XXXX. However, due to unforeseen financial circumstances, I am no longer able to afford the monthly subscription fee, and this is the reason I asking to cancel this service. 

I have attempted to cancel my account with CreditPoint720 multiple times via email, text, and through their client portal, but I have not received any response from them. On XX/XX/2023, I called their customer service line ( XXXX ) several times, but no one responded. I have also sent messages directly to XXXX XXXX, the customer service representative I was assigned to, but I have not received any reply from her. 

I have given them more than enough time to process my request, and yet they have not acknowledged my efforts to cancel their service. 

I believe that CreditPoint720 's lack of response and failure to cancel my account is a violation of my consumer rights. I am now facing financial difficulties, and I can not afford to continue paying for their service. Despite my attempts to cancel, CreditPoint720 has continued to charge me for their services, which is causing me undue financial hardship. 

I would like to request that the Consumer Financial Protection Bureau investigates this matter and ensures that CreditPoint720 cancels my account and stops charging me for their services and continue increasing my due amount. I would also like to request a to remove all charges that were made after I requested to cancel my account. 

Thank you for your attention to this matter. I hope that the Consumer Financial Protection Bureau can help me resolve this issue. 

Sincerely, XXXX
Consumer complaint received 2019-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (MA)

I had a store credit card debt through XXXX XXXX but i run into trouble paying the charges so the company made payment arrangement and froze interest charges. As part of the arrangement I monthly payments was to be by auto direct payments form my check-in account. 

I lost my job there after and direct auto payments form check-in account were returned and arrangements on the payments could not be honored. I also I incurred returned fee charges on my bank account. 

I started receiving bills with charges greater than agreed so I sent email to inquire about the charges but never got a response. I was earnestly intent on resolving the issue but never got a response. 

The debt was transferred to Crown Asset Management and I disputed the amount claimed. They sent me details of accumulated interest charges so that the claim now it far more that the balance agreed and over a thousand dollars more that the initial principal amount of charge. 

I am frustrated that I cant get XXXX XXXX to resolve the issue and I have to deal with the debt collector. 

As of now they have filed a claim against me at the Small Claims Court so I want to be able to resolve the principal amount of the debt with XXXX XXXX.
Consumer complaint received 2020-09-11
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: Amsher Collection Services, Inc. (NY)

On XX/XX/XXXX Report Number XXXX was generated by XXXX about AMSHER COLLECTION SERVICES. They deleted the account due to Fraud and inaccurate information. The company AMSHER COLLECTION SERVICES then fraudulently changed the account number on the item, and Re-reported it as NEW debt. This is illegal. I contacted XXXX and they said the information is accurate. I submitted proof and FEDERAL TRADE COMMISSION reference numbers to prove fraud was reported about my personal info. STILL they allowed this company To say i have a debt I never had. This is illegal, and the partnership XXXX has with its vendors is QUID PRO QUO, because they are being PAID by their clients they post this credit information for. So they arent inclined to make a fair, thorough, or impartial decision when it comes to someones credit juxtaposed against what a creditor says. Please stop XXXX and AMSHER COLLECTION  SERVICES from committing such fraudulent acts. Your consideration in this matter is greatly appreciated.
Consumer complaint received 2016-09-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credence Resource Management, LLC (DE)

-They are trying to get me to give them my social security number and other personal information. I want them to stop harassing by phone. 
- Also, I am concerned that they might have recorded me without my consent, which is a felony in my state.
Consumer complaint received 2016-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bronstein & Weiss Arbitration (FL)

I received phone calls from my ex brother in law ( no communication with him for 10 years ) and my ex and both stated a law firm company called stating I owed debts and they were on their way to my work to serve me papers at my work unless I called XXXX. I have received at least XXXX to XXXX calls stating my bank account is going to be frozen within XXXX hrs, numerous calls stating that I need to be home/work to be served papers between XXXX pm have ID. A XXXX says he is from XXXX XXXX process servers and will be serving me ... he does not exist with XXXX XXXX. I called and the phones were answered XXXX and XXXX. I had informed them that family was getting phone calls in regards to a so called debt and they were disclosing info to people illegally. I asked for their attorneys name and bar # ... the woman fumbled and could not give me an answer and yelled at me asking for my attys info. I asked for an address and was given a XXXX store address in XXXX, New York. This woman continuously kept putting me on hold and was agitated. I ended the call after things did n't seem right. This company goes by several different names XXXX and XXXX, Law offices of XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX. The phone numbers change XXXX, XXXX. This entity has broken almost every debt collector law there is- disclosure of a debt to others, threatening to freeze bank accounts, threatening to show up at my work to serve me unless I call the number, stating they are a law firm. I have not received any letters stating the debt, amount, and what it is for ... nor have I received a demand letter from an attorney. I XXXX this entity on tje internet and scam/fraud keeps popping up and suggests to not call this number back. I have called the State Attorney 's Office, my bank, XXXX, and my credit report. I have a couple items on my report that are XXXX XXXX XXXX ( past the statute of limitations and they are coming off my report in the next couple months ) and a couple current debts that I am taking care of. I do not see this entity on my credit report. I included a Ceist and Desist letter
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I contacted all the credit companies and the XXXX XXXX to tell them that its fraudulent activity with the account and theft and to close all Account associated with XXXX, all the credit companies and the XXXX company was negligent in doing so, now they are doing all type of shady practices and added a random XXXX dollars on my credit report for no reason at all and i tried to call every company I got hung up on and now answer I want you guys to step in on my behalf please. This isnt right what they are doing is illegal, please verify that for me.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ASTORIA BANK (CT)

We have a buyer for a short sale at market value and XXXX banks, Astoria Bank and XXXX ready to give approval-as long as the other banks sends their written approval first! 
We are at a standstill for months, with the seller facing foreclosure-because both Astoria and XXXX are waiting for the other to send their short sale approval first!!! HeLP!!!!!!
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My account is in good standing, and yet it has been over 7 years since the account was paid in full and I have frequently asked the creditor to reflect that and remove the collection status and yet they refuse. Since 2014 my dispute remains open with then with regard to this account and they refuse to close, resolve, and remove or amend the collection status. It is hurting my credit score, and affecting my ability to purchase a home and build my credit worthiness.
Consumer complaint received 2022-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/22, a PayPal payment was made from my bank account, for {$100.00}, to the XXXX  XXXX. 

I contacted the XXXX  XXXX, and they issued a {$60.00} refund the same day. 

The refund shows as pending in my PayPal account. PayPal will not release the money to me. They said they are still waiting for my bank to send the initial {$100.00} payment to them. The {$100.00} cleared my account on XXXX, so PayPal already received their money.
Consumer complaint received 2018-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CO)

XX/XX/2018 : XXXX " Calling from XXXX, this is a debt collector on behalf of XXXX XXXX XXXX XXXX XXXX. This is a call from a debt collector. Please return our call at XXXX M-F during normal business hours. Thank you. '' Neither me nor my wife or kids have ever been to XXXX XXXX XXXX XXXX ever.
Consumer complaint received 2016-09-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have yet to receive validation on this account. Enough time has gone by. I have requested this several times. I feel the information is not accurate, I do not owe the amount stated and this account is outdated. The last time I requested a very nasty collector called me. It was not a good call. I have rights to.
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I disputed XXXX items on my credit reports relating to debts that XXXX XXXX had been attempting to collect on. As part of the dispute process, XXXX XXXX sent out a copy of the bill and a letter from Capital One, but I never received any validation documents, such as a signed contract or anything. While discussing it with them, they claim that the bill is validation. any help would be appreciated.
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying to modify my loan with Wells Fargo for the past several years. All I get is the run around and their mischievous tricks that they use on everybody. When, " Keep Your Home California '' sent them the last mortgage payment they returned it, saying, no thank you. Then they started going after me for, " falling behind '' on my mortgage payments. When I applied for a different program from, Keep Your Home California, they pretty much torpedoed it, with these same tactics, forcing me into bankruptcy.
Consumer complaint received 2016-09-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have repeated asked them not to call me at work. I fell behind on my bills when I lost my job and just started a new job and they keep calling my boss and asking for me after she told them every since time that I can not have calls at work. I do n't want to lose my job then I really cant pay them anything
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (OR)

Applied for a refinance, XXXX thru the process of closing, receive a call and a email stating the loan has been cancelled. This happened several weeks before the rate lock expire date on the loan estimate. Been given several different reasons why, but none pertain to my actual situation. They refuse to move forward and refuse to refund any of my cost, such as appraised cost etc. They either do n't return phone calls or delay and then send emails, they have not returned a single phone call as promised since this began. Send paperwork saying they sent other paperwork for denial reasons and have n't. Send paperwork that has incomplete dates on it. Yesterday they changed their reasoning for my denial again and said it was further explained on paperwork they sent, I have not received this paperwork as today. Have been very patient, but feel I am now getting the run around and ca n't figure out why.
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (IN)

I went to the ATM at the Wells Fargo location in XXXX, IN like usual. The v machine has been extra slow the last several weeks and I 've just put up with the long line of cars that forms behind me whenever I 'm using it for deposits, however this time it took my money and miscalculated it! WTF? If the tellers did n't try to sell me something every single time I complete a transaction I might not hesitate to go inside so often, but dealing with them is almost more rotten then the broken atm! Please replace or service it asap! Thanks!!!
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have a Kohls credit card. the balance on it has been XXXX for over a month. i have called them and according to Kohls it has been reported already. 
My credit is still showing as I owe them and this is affecting my credit, my ability to get a lower apr for the car loan. I would like this resolved asap.
Consumer complaint received 2016-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Shellpoint Partners, LLC (AR)

None of the above choices fits my actual situation. 
I have a personal unsecured loan of $ XXXX that is currently paid down to {$11000.00}. Payments are approx. $ XXXX/mo. and continue for another 11 1/2 yrs. The account is current. Shellpoint Mortgage Servicing in XXXX, TX is the monthly collection firm on behalf of their investor client..who I was once told was XXXX XXXX XXXX. XXXX but have no confirmation. 
Because of a health issue and my age, I made a written offer in XXXX, 2016 to Shellpoint Mort. Serv. to pay off the balance at a reduced amount. I was told this offer was forwarded to their investor client for a decision. 
It has now been four months without the courtesy of any reply whatsoever on this cash offer. I continue to follow up with the representative at Shellpoint ( and later his Supervisor as well ) to get a response and am always told it is beyond their control and the decision rests with their investor client. They never provide any details on their follow up efforts after my phone calls nor do they ever keep me informed of any efforts on their part to get a resolution from their investor client. 
I 'm sick of the constant delay to respond to my letter and offer and my recent follow up phone calls. There is no excuse for not replying in four months. 
Your help in getting the matter resolved is very much appreciated.
Consumer complaint received 2015-06-06
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (IL)

In short, on XXXX XXXX, 2011, I took out a VA Mortgage Loan with WELLS FARGO BANK. Everything appeared good up until the point when I took some private accounting, constitution and banking classes. To make a loan story short, I discovered the fact that WELLS FARGO BANK participated in banking fraud. How is this so? All banks are governed by the Federal Reserve Bank. The Federal Reserve Bank published various publications such as " XXXX '', " XXXX '', " XXXX '' & " '' XXXX '', which openly admits that Federal Reserve Notes are not only real money, but how commercial banks NEVER loaned any money to anyone ; it is the borrowers ' signatures which create loans in the first place. Not to mention according to US Constitution, Federal Reserve Notes aka US Dollars are not lawful money. According to Article 1, Section 10 of the US Constitution, the only lawful money is gold or silver coin. Consequently, what happens is that when a bank receives a borrower 's signature, the bank endorses it as a check or money order and then report this as a deposit as a off balance book sheeting accounting transaction, creating a lack of financial transparency. Furthermore, the bank then reports this transaction as a bond with the United States Treasury. The United States Treasury then sends funds for the bond to the bank. In addition, the bank convinces investors to invest into the mortgage as a security by biding it on the Stock Market. The mortgage is then transferred into a " Special Purpose Vehicle '' as a " Collateral Debt Obligation '', which means the bank was paid twice as soon as the mortgage contract was signed ( XXXX by the borrower 's signature and XXXX by the investors ). This is further explained in my memorandum of law, which is attached herein. Furthermore, various correspondence was sent to WELLS FARGO BANK in regards to an inquiry about whether they were an actual lender as well as the demand for the original note. As a result, WELLS FARGO BANK did not respond and I put them into default. These documents will be provided at a later time.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MS)

on XXXX XXXX my phone was ported to a hacker with out my knowledge. They then hacked my email locking me out then hacked my coinbase account locking me out. 
After I was locked out of coinbase I can only assume they drained my account of close to a XXXX dollars then made a ach withdrawal of XXXX to my coinbase account out of my checking account. 

I have called and emailed and filed clamaints with coinbase. No one can tell me if my account has my money in it still and they never respond to emails. I just want to know if they stole all my money and how to access my account again.