davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
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: SYNCHRONY FINANCIAL (NY)

On XXXX I brought a leather jacket from XXXX XXXX XXXX XXXX   XXXX total cost {$110.00} On early XXXX I called Pay Pal to report this was a scam and fraud. They was to put a hold on account. 2 mounts later case was solved on my be half. 
XXXX was credited back on my account. but was billing me for late fees of XXXX. 
Now account was put on hold and was not to charged late fees or anything else. call Pay Pal but no one knew what I was talking about. still getting bills for late payments for a scam and fraud case. now I was turned for a small loan for lawn mower.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (TX)

Me and my wife have been going through a divorce process. I found out that she added me to a credit card as a joint user and she claimed on the divorce papers that I have been served to divide half of the debts which is not fair because I never authorized her to add me to credit cards or credit records including federal assistance. I would like to solve this with American Express. I have even called AMEX to report that issue and that is still showing on my credit report/score. I would like all this removed including debts and credit report for the AMEX. I also don't have any knowledge if she is still using the card that's under my name.
Consumer complaint received 2020-07-15
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. (MI)

On XX/XX/2020 I submitted disputes to XXXX, TransUnion, and XXXX. I have yet to get a response on the investigation. This is in violation of the law as it has been more than 30 days.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I used XXXX XXXX bill pay service to make a payment of {$370.00}. This posted to my Capital One account on XX/XX/2020. Without explanation, the payment was reversed on XX/XX/2020. I am attaching a copy of a document from XXXX XXXX showing that I made the payment.
Consumer complaint received 2018-02-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

We co-signed for our son 's loan with XXXX/navient. He is in XXXX school now. Navient is harassing, threatening judgements. The original loan was XXXX now it is XXXX. We had filed bankruptcy, which put the loan on deferment. They now will not work with us for a lower payment as my son is a full time XXXX student for another year. Please we need help as we told Navient we understand this debt needs re-paid as since XX/XX/XXXX We paid what we could, but Navient wasn't satisfied. We need answers. XXXX in interest is almost unbelievable.
Consumer complaint received 2023-02-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MS)

XX/XX/2021. The amount was XXXX. Then i was call back in a couple of weeks to do another loan.I told the person doing my loan i was getting ready for XXXX 1 at the end of XXXX. He told me to get a letter from the Doctor and turn it in. That the XXXX XXXX was pay for the loan until I go back to work. Tower Loan in XXXX Ms. say they said don't want pay because it was a existence problem. But i told them about the XXXX before ni signed the contract. Please Help Me.
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Columbia Collection Service, Inc. (OR)

This collection is showing on my credit file.I have no knowledge of this account.it says that i am a joint owner and it is paid.Have tried several times to remove it.It is illegal to report in accurate information on my credit file.I am buying a house and they will not remove from file.If it is not removed ASAP i will seek legal recourse for damages
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (OK)

I applied for Unemployment with the state of Oklahoma beginning XXXX and got it. Money is sitting in Way2Go card run by Conduent but their customer service wont answer. They have to email contact and headquarters told me Friday the XXXX to contact local agency. After 3.5 hours I got " XXXX '' on the phone from number XXXX and got reference number XXXX for " Team 2 '' to contact me to update my address the same day. They never called. I have been on hold with this number and XXXX for over 5 hours this  weekend. I never received my card because they have the wrong apartment number, My address is XXXX XXXX I XXXX XXXX XXXX, XXXX  XXXX ( NOT XXXX XXXX ), XXXX, OK XXXX. My name is XXXX XXXX. I will be our of groceries any day if I can't access my card.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I was scammed into sending someone {$800.00} for a puppy deposit there was never a puppy they just scammed me out of my money as soon as the payment cleared they disappeared and so did their website and I requested a refund I also tried to cancel the cash app transfer but it was too late I told them I had all the text messages for proof they don't want to hear nothing
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

My phone was stolen while out of the country and my digital wallet was hacked. My cash app name was changed and Cash app is refusing to refund the unauthorized transactions that took place while my phone was stolen. The device was never recovered & they are trying to say that I authorized all transactions. I have documentation of over 20 incoming and outgoing messages & phone calls to an international bank from the stolen device.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I did not authorize the inquiries below and have done my best to resolve with the company and credit bureau. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Processing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I tried multiple times to put my account in economic deferment because i had no job. I was not able to. Then once i got a job and tried to set up so i could pay some money they wouldnt allow me to. Then they tried to garnish my check in which i tried to set something up again and they told me i couldnt cause wasnt with them anymore or something to that effect. But i didnt make enough money for them to garnish my check so they took my whole income tax check in 2018.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (NC)

I purchased a home on XX/XX/XXXX. We worked with Fairway Independent Mortgage Corporation. They failed to include an accurate estimation of our taxes in our escrow payment that has resulted in a XXXX shortage to our escrow account that will raise our mortgage by {$600.00} a month. 

The Dodd Frank Act provided some level of clarity in that this estimation is now required by creditors for property taxes based on the taxable assessed value of the real property securing the transaction after the consummation of the transaction. 

This avoids a potential pitfall where the initial escrow deposits only reflect a lower assessed tax bill based solely on the value of the land. Disclosure provisions also provide the consumer with notification that the amount of escrows may increase. The expectation from the Consumer Financial Protection Bureau is that lenders and servicers determine the proper method for computing the estimated taxes. Availability of data to compute such estimates can vary by state as well as locality. Generally, estimates can be based on like properties that have been assessed if that information is available. Otherwise, 1 % to 5 % of the purchase price can be a reliable estimate. 
The importance of communication with the consumer can not be overstated. In addition to the required disclosures, the lender should ensure that guidelines include informing consumers that their payment will increase upon full assessment and that an escrow overage may be sent to them if the reassessment does not occur by the time they receive their first escrow analysis. 

Based on this information, I think it is clear that I was not provided the accurate estimations, information, disclosures, and warnings about my improperly funded escrow payment. No one ever explained to us that our payment was insufficient to properly fund the escrow. This has put me in a situation where I own a home with a mortgage payment {$600.00} above the budget I explicitly communicated to the lender. It sounds like there are very specific regulations in place to protect the consumer so that this exact thing does not happen. I have reached out to Fairway Mortgage on XX/XX/XXXX the day I received notice of an escrow shortage.I am waiting to hear back about how they will fix this but have not as of yet. 


XXXX XXXX
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

During the Great Recession, like so many Americans, I financially struggled to pay my mortgage and faced foreclosure. I also had health issues and was diagnosed with XXXX XXXX. Making every attempt to keep my home I contacted the mortgage company, XXXX  XXXX  XXXX, for mortgage assistance options. 

As I worked to follow Aurora Loan Services ' instructions, which were often misleading, confusing and untimely, my account incurred fees which were never waived as promised. The deferred fees were transferred with my account when it was sold to Nationstar Mortgage and now total approximately {$1400.00}. 

XX/XX/2019, I suffered a XXXX XXXX exacerbation that rendered me unable to work. My health has forced me to apply for XXXX and I contracted XXXX XXXX which created even more challenges. I am now seeking mortgage assistance on two mortgages with Mr. Cooper. One modification has been denied twice and is currently pending after Mr. Cooper ordered a property valuation that was my financial responsibility. The other mortgage that was sold to Nationstar is under forbearance.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

In an attempt to become more financially stable, I am attempting to invest and save. Unfortunately PNC bank has changed and I am now unable to use apps such as XXXX This is extremely disappointing. The inability to control where my funds goes and how I invest. I would love to see this change.
Consumer complaint received 2020-04-26
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (OR)

I was hospitalized XX/XX/2019... I could not pay my installments to Barclays Bank on a personal loan. Once I was ok I started making payments to catch up.. {$100.00}, {$100.00}, {$200.00}.. then a {$2000.00} payment. They sent me a receipt for the {$2000.00} payment but no balance on the loan due. I asked for a payment history and was denied. I asked about the payments made prior to {$2000.00} payment and they refused to discuss where they were other I did not make payments? I continued to request payment history and they refused.. I have requested copies of the cancelled check from my bank! Why can't I have access to my payment history! Finally they suggested I hire a lawyer?
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc. (TN)

This is a formal complaint against XXXX XXXX XXXX located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-07-15
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. (LA)

I filed dispute regarding inaccurate information that is being reported on my credit file. I have not received anything regarding my dispute results which have been well over 30 days.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I backed XXXX company on XXXX for the amount of {$320.00} for an automated litterbox. They promised delivery to occur XX/XX/XXXX, but it's been well over a year now. The sellers have not responded to buyers or XXXX  and this is starting to look like a scam. They also haven't provided any useful updates. The last update, they said they re-sold our products to others to recoup some loss, but haven't provided buyers any timelines or if they will be able to deliver the product. I filed with my credit card company earlier this year and they denied my requests twice. I was scammed. I haven't received a product and the sellers violated XXXX 's terms and conditions. It's clearly a scam and my credit card company won't push through with a charge-back.
Consumer complaint received 2021-08-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I paid off the lease for {$16000.00} Hyundai Finance. I also sent in all the necessary paperwork the same day ( odometer reading ). I have yet to receive the title for the car. I have made numerous phone calls. I am not able to use the car because registration has expired. I will also have to pay a penalty to motor vehicle to register car. In the state of New Jersey if you register the car more the 10 days after the sale car you pay a penalty.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

In XX/XX/XXXX, I noted fraudulent charges on my Sear Mastercard ( acct. # XXXX ) and immediately reported these to my credit card company. When the company repeatedly refused to delete these charges, I made a complaint to CFPB ( XXXX ). This was subsequently resolved and I wrote the company and asked that the account be closed. I received a written response from Citicorp Credit Services, confirming that the charges were deleted and the account was closed. There was no further contact with the company until I received a bill in XX/XX/XXXX for {$110.00}. I again contacted the company and explained that the account was closed and no further charges had been authorized by me as the sole authorized user on the account. The company acknowledges that the account was closed, but continues to bill for these charges, which have since increased to {$220.00}.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MI)

XX/XX/2014 ( 4 yrs, 1 mo ) Amount {$1100.00} I contacted XXXX   multiple times to dispute and prove the debt wasn't mine with letters and a letter was sent back from XXXX XXXX.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I paid {$990.00}. on my Chase Visa card to XXXX XXXX XXXX for a tour to take place XX/XX/XXXX. 
XXXX XXXX XXXX sent email saying theyre going out of business. I immediately filed a claim with Chase attempting to get my money back. Their response was too bad but no because too much time elapsed since purchase. I appealed the decision to the Executive office last month. I received a voice mail response again saying no sorry cant help you. 
Meanwhile in XX/XX/XXXX I received a XXXX report saying the company is insolvent. 
There is a significant on-line presence of other travelers also pursuing refunds from their credit card companies. Some of these folks are receiving a credit from Chase and I want to be one of them! 
Please help me get my {$990.00}. back from Chase Bank. Thank you
Consumer complaint received 2020-04-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (NC)

Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XX/XX/2020 Re : The Money Source Legal Amoral Refinancing by Animalistic Criminals XXXX XXXX XXXX XXXX, NY XXXX Dear Madam/Sir, As a former homeless, but XXXX  % XXXX Veteran ( homeless  for 38 years ), and an unreported survivor of the XXXX XXXX, I never thought that the mortgage finance company that we were appointed ( rate 4.125 % ) would conduct business in such a animalistic and pernicious manner -- -making my paranoia speak vociferously within me ; shouting that the very same people I must trust with my mortgage concerns are simultaneously setting up their systemic discriminating snares to overcharge us and/or try to make me homeless  again. 
First, in the early portion of XX/XX/2020, my wife and I called The Money Source and paid our monthly mortgage payment in advance, because we needed to change our bank ( from XXXX to XXXX XXXX XXXX ). However, the inadequate business practices of The Money Source neglected to fulfill their responsibilities, which resulted in complications for us with our banking institution. Secondly, all the information communicated from The Money Source to us, during this pandemic have been continuously misleading, malicious and in a mendacious manner. 
Thirdly, after addressing The Money Source, with the CARES ACT, we were disregarded, disrespected and rejected, as well as them forcing their created documentation and fees on us. 
Nevertheless, we were told we did not have to pay mortgage until XX/XX/2020 by one of their phone receptionist, posted various balances on the website they have for us ( quite confusing ), no record of recorded phone calls, and poor representation in the likes of a XXXX ( so-called manager ), XXXX, and other members of their staff. The Money Sources insidious machinations of systemic discriminating have affected our budgeted fixed income, unwarranted stress, as well as, and especially placing obstaclespreventing us from the VA Interest Rate Reduction Refinance Loan. 
Please help...