davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (VT)

We applied for a mortgage with People 's United Bank in XX/XX/2022. We have a loan commitment letter from them dated XX/XX/2022 offering us a 30 year mortgage with 3.875 % interest for a loan amount of {$280000.00}. The property in question is a seasonal property ( we were very clear when we applied for the mortgage that the property is a seasonal property ). The loan/sale was supposed to close XX/XX/2022. There have been innumerable delays because the bank would not provide us with information regarding who they would approve to do a title search and manage the closing ( We gave them innumerable names of reputable local attorneys and they declined those attorneys. At one point they accepted a name, but did not provide the information to the local attorney, and this led to significant delay since the local attorney was not able to do the work ). Eventually they determined they would use an out of state title company to do the work, but because of that companies delays we were notified that they would not close the loan on time. ( It should be noted that throughout this process we have always provided all information that they requested promptly ). They then attempted to charge us additional fees to extend the mortgage rate ( given that the only reason the closing will not happen on time is their own delays, this did not seem reasonable to us ( they have subsequently changed their mind on this, but it has left us feeling that we can not trust this bank to follow through with what it has agreed upon ). 

Today ( XX/XX/XXXX ) we received a disclosure to sign indicating that the bank was changing the terms and instead of the mortgage they agreed to in XXXX, they will now give us a loan of {$200000.00} at an interest rate of 4.0 %. It should be noted that the purchase price of the property is {$400000.00}, the appraised value was {$450000.00}. They are now saying they made a mistake and offered us the wrong product. It should be noted we were very clear about the type of property we were looking for a mortgage for in the beginning. It should also be noted that there was no attempt to reach out to us to explain this ( it was our phone call to them that produced this information ), they simply sent us a new set of disclosures to sign ( one day before the day when the sale should have gone through ). 

We can provide copies of documents and/or additional details as needed.
Consumer complaint received 2018-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NE)

This school was charged with predatory loans and practices. It has went bankrupt and closed. I am trying to get my loans discharged on account of their fraudulent acts and closure. 
They took advantage of all their students, there were times they ran out of books for us, but the book fees were rolled in to the tuition so we couldn't get any money back. 
Most teachers had us XXXX tutorials, basically we taught ourselves. 
The teachers would show up half the time and make false claims so they could get their bonuses. 
I graduated and having their name on my resume is a red flag for any employer. 
Now I can't get employed in my field and I owe over 100k in student loans causing me to potentially be in debt for the rest of my life with nothing to show for it.
Consumer complaint received 2017-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc. (IL)

Checked my credit and saw this collection agency. I have not received anything about a debt. Please provide certified confirmation of delivery. And please provide license to do business in Illinois XXXX XXXX XXXX. it 's against the law to report unfairly on one 's credit report. Please delete this account immediately.
Consumer complaint received 2020-05-01
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: U.S. BANCORP (TX)

My texas unemployment card has not been received and from the correspondence box on XXXX  website it shows my information wad sent to an old address. We do not have and/or received a payment card and can not access our unemployment benefits. WE CAN NOT GET THROUGH TO ANYONE VIA TELEPHONE AT EITHER XXXX AND/OR RELIACARD.
Consumer complaint received 2021-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I emailed the CEO of USAA in regards to late payments reporting inaccurately on my report. A rep from the CEO office called me and I informed them of the months that was reporting falsely on my XXXX XXXX & XXXX report. I sent my bank statements showing each month and my payment for each each month. Another rep called me and said that they see on time payments for all months except 3. But I clearly sent them my bank statements. The months that are reporting inaccurate are : XXXX, XXXX, XXXX & XXXX of XXXX. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 
XXXX, and XXXX of XXXX. 
They asked me to fill out and submit a Consumer Report Dispute Form which I did on XX/XX/XXXX and they keep sending me this form without correcting the inaccurate information.
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been applying for a modification and they have stalled for over 2 years. I was canceled many times due to paperwork not being ( all docs were factually in on time ). After appealing numerous times and proving they were wrong that all docs were in they put the application through. By this time I was so far behind they denied me due to " excessive forbearance ''. 

This was caused by them continuously canceling under false pretenses
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

NewRez XXXX XXXX XXXX XXXX, SC XXXX On XXXX I paid off a home loan. On XX/XX/2020 I received an escrow disclosure. For the last 7 weeks I have been trying to get my tax escrow refund from NewRez. I have called numerous times and talked to numerous people that work for NewRez. All of them have assured me that the refund monies in the escrow account would be sent to me. I contacted them on XX/XX/2020 and they told me the check was mailed on the XX/XX/XXXX. I called about a week later and told them I hadn't received the escrow check. NewRez told me to wait a few more days and call back if I didn't receive the check. I called on the XX/XX/2020 and they told me that they would wire transfer it to my banking account. I gave them all the information they need to do the transfer. I receive a call on XX/XX/2020 from NewRez saying that they transferred the funds to my banking account. The funds never showed up. I contacted NewRez on the XX/XX/2020 and they told me the transfer was on hold? I called the next day and they told me the escrow check had been mailed on XX/XX/2020. I also asked for some one to call me regarding this problem. I called today XX/XX/2020. And informed them that I have not received the check and no one has contacted me. Today XX/XX/2020 they told me they were going to wire transfer the money to my bank. Some one from NewRez would be contacting me. 
I need help!
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/XXXX I submitted a deposit in the amount of {$500.00} to Capital One for a secured credit card. Approximately 2 days before I received my card in the mail I discovered upon receiving my card that Capital One closed my account. They closed my account because 1 of my initial deposits was returned. My bank stated that they never even received the request for the money to be taken out of my account. I put 2 weeks of my hard earned money into this secured credit card so I could build my credit. I trusted capital one. I called to try to get the account reopened. Capital one refused to even review my account. I then asked for a refund of my deposit. I was informed that it would take a minimum of 70 days to refund my money and they couldnt even explain how the refund would be processed. I was depending on this card to fianc my sisters graduation trip. Not only has capital one made it extremely hard on me to get a refund, but they have also made it difficult for me to get a card I thought would be simple to obtain. All I want is my account reopened with the deposit that I sent them. Capital one still took the money out of my account and then after they mailed the card out decided to close my account that I never even got a chance to use 2 DAYS before I was set to receive the card. This is very unfair and Im entrusting in Capital one to resolve this issue.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (LA)

I do n't know who to go to ; I have been trying to verify my Identity on I.D me for Vets.gov. But unfortunately they do n't have my updated address ; and i 'm honestly not sure what address they have for me. They go through Experian ; who when I tried to enter my stuff it said i have the wrong address. I had 1 address until XX/XX/XXXX; then it was in missourri. XXXXXX/XX/XXXXmy addresses have all been in Louisiana ; 2 on  XXXX XXXX, 2 in XXXX, LA, and my current address is in XXXX, LA. But I am going to the post office to forward everything to that address tomorrow. So it might not be on there yet. Because we just got it this week. I would really appreciate your help ; it 's holding me back from checking my claims through the VA. Thank you.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ADP Inc. (GA)

I called the # listed by employer for ADP to address that 70 % of my pay was being garnished every 2 weeks as opposed to the 25 % noted in a statement I received from the law firm that never served me the court order. ADP has a phone prompt that direct you to a # supposedly to the XXXX County Magistrates Court. Calling the # did not take me to the Magistrates office instead it went directly to the law firm that continues to target me every couple of years for non-payment of HOA fees that cant be paid due to same law firm blocking annual payments. I attempted to pay last years HOA fees in an attempt to prevent another occurrence and was not allowed to make a payment due to my need to settle the previous alleged debt. I have brought the concern ( my disposable pay is {$1200.00} bi-monthly, {$860.00} is being garnished for an undetermined time for a dept of an amount that supposedly includes a {$1300.00} principal and {$4100.00} atty and court fees ) to my employer who keeps referring me back to ADP who doesnt respond in person. I am a XXXX  y/o single female who can no longer pay my mortgage, my utility bills, etc, etc
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2024-03-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/2024 SEQUIUM ASSET SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # : XXXX Dear Sequium Assest Solutions I am writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request.

As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication.

Please ensure that the provided validation information includes : Confirmation of my name as it appears on your records.

The precise amount of the debt claimed.

The name of the creditor to whom the debt is currently owed.

I expect your compliance with this request within the timeframe specified by law. Failure to provide this validation information may result in a violation of federal regulations.

Furthermore, I remind you that all future communication regarding this matter should be in writing, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I reserve all rights afforded to me by law in this matter. 
Thank you for your prompt attention to this request. I anticipate your timely response. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

I consolidated my student loans with NAVIENT and DEPT OF ED/XXXX on or about XX/XX/XXXX. I was in forbearance at that time and had been in forbearance every year since XXXX. I was also a full-time student pursuing my XXXX XXXX. However, both NAVIENT and DEPT OF ED/XXXX  have been reporting my student loans as " LATE PAYMENTS ''. They refused to report my account accurately to the credit bureaus, specifically, XXXX, XXXX, and XXXX. My account has NEVER been late or in any derogatory status since I was both in-school and forbearance. Please remove these inaccuracies from all three ( 3 ) credit bureau reports.
Consumer complaint received 2021-10-05
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: AMERICAN EXPRESS COMPANY (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (NY)

I submitted a cfpb complaint on XX/XX/2021 against Equifax and Equifax did not do what they said they would do. [ Complaint Number XXXX ]. Equifax only responded with a credit report with no updates or anything indicating that there was an actual investigation. 

Equifax credit report shows : There is a Past Due Date in collection account, 120 Days Late in collection account ( collection accounts are late by default ). The date of last activity is incorrect, missing date of last payment. collection account and charge-off account missing the required notice of dispute ( violation ). 

These issues can not be ignored while Equifax is selling my personal information and making profit out of my personal information ( with inaccuracies ) even when I have notified Equifax more than 3 times about these inaccuracies in my credit report.Equifax Continues to ignore all my disputes and even the cfpb disputes.
Consumer complaint received 2024-03-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (VA)

I opened a CD with Goldman Sach 's in XXXX of XXXX, and they closed the account on XX/XX/XXXX and did not list a reason. I requested a return of funds 4 times since XX/XX/XXXX and the company has not returned the funds even after closing the account. The last time I called ( XX/XX/XXXX ) they could not locate my funds, and have not returned my funds.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX  XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2021-10-05
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: SYNCHRONY FINANCIAL (TX)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: M&T BANK CORPORATION (PA)

I lave a auto loan with M & T bank ( loan number XXXX ). I have sold my XXXX XXXX because we don't need that many cars so I have the money to pay off this loan. I sent the final payment through my XXXX bank. The XXXX bank check was cashed by M & T bank XXXX XX/XX/XXXX but M & T did not post it as XX/XX/XXXX. I called them and sent message totem several time but they keep deny received it. Even give the details of their stamp on the back of check. Then one customer service reperesentive asked me to pay {$15.00} more by saying in case the payment was late so I have to pay the daily interest. I did pay {$15.00} as asked. However, they closed my account and blocked me to access my account online this morning so I don't know the final balance and what they are going to do withy Title. 
To me this is a fraud, cheating. It is also wrong closing my account and XXXX me to access my account online within a day.
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (OR)

First Citizen Bank - XXXX, Oregon Location. 
When I tried to open the Checking Account with First Citizen Bank at XXXX Branch on XXXX/XXXX/XXXX using {$200.00} Promotion when opening account, The manager? first did not give the " Notice of Action Based on Information Contained in a Consumer Report. I had to ask him to print out the notice then he printed out the notice. However, there was no name of the bank on the Notice, so I asked him to put the Bank 's Name. But he refused. I went bank second time but still refused. Is the Bank allow to not providing without their bank name? I need to have their Name of the Bank in this Notice to prove I was not able to opened up Checking Account with the Promotion.