davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

I had a mortgage for a home that I sold on XX/XX/2020 - through American Home Mortgage company. My payments were all in good standing and I have never missed or had a late payment. The house  was paid off on XX/XX/XXXX with a wire transfer during the closing. I had attempted to contact the mortgage company to cancel my auto pay for a week prior to that but they were not answering phones due to " COVID '' and stated their hold times were >24 hours. I also attempted to message online, they ended up taking my mortgage  payment out on XX/XX/XXXX, in addition to the settlement, which was an overpayment. 
I informed them of this via multiple messages. On XX/XX/XXXX I saw an e-document on my online account showing that this amount would be refunded by a check, which I never received. I had updated my address and the correct address was on the check. I informed them of this multiple times, the responded that I had to wait 30 days to cancel the check. I waited 30 days and still did not receive it. I contacted them again and they told me they would reissue the check, but they would have to wait until XX/XX/XXXX. I waited until XX/XX/XXXX and it is not showing up in my e-documents and I still have not received my escrow refund/overpayment of mortgage from the house I paid off XX/XX/XXXX as of today XX/XX/XXXX. This is simply unacceptable. I also requested that they send it to me by electronic transfer or certified mail to avoid further issues and they ignored this written request. At this point I feel that they are not going to return the money they owe and have admitted they owe and should have received back by now. If the situation was reversed they would be charging extreme late fees, interest etc. What can I do to proceed with getting my money returned in a timely manner. Please advise. I am a XXXX veteran and now have a new home and mortgage to pay, and this is not how I expected to be treated.
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assistance Corporation dba Revenue Group (OH)

I'm not aware of this debt and did receive any mail with the opportunity to dispute as these not my accounts REVENUE GROUP # XXXX ; XXXX. Please provide the following : Method of verification Validation of Debt Assignment of Debt These account should not be place in dispute until any type of investigation needs to happen. This accounts need to be removed as your in violation of Hippa rights as well and I will file suit. If you believe you provide communication please attach CERIFIED MAIL showing that mail was delivered and sign for. Can not just place deb on someone credit report.

Please remove ASAP.
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (NY)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

I have just completed a chapter XXXX bankruptcy and it was discharged XXXX2017. The case was completed and is closed. XXXX are now reporting we have now filed a petition for a chapter XXXX and we have not. Our case is closed and no petition has been filed but they are reporting this incorrect information to Experian and wont updated it.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC (NJ)

In XXXX 2017, I was in credit card debt and could not pay my monthly expenses plus the household bills. I enrolled in a debt relief program with XXXX XXXX XXXX and they took all of my outstanding debt and are helping me resolve/satisfy with my creditors. I sent written notices to all of my creditors indicating that they are to contact XXXX XXXX XXXX and provided their address and phone number regarding the outstanding debt. 
My credit card with XXXX XXXX XXXX was one of the accounts in the program. They use Admin Recovery LLC as their collection agency. Numerous calls and most recently yesterday XX/X/17 they contacted my XXXX sister looking for me and also my nephew on his cell phone. How is this legal that these companies can contact family members with my personal business that I do n't want anyone to know about??? The phone calls are borderline harassment and I just left a detailed message for the contact person at Admin Recovery XXXX and advised to no longer contact my family members or myself and they need to reach out directly to XXXX XXXX XXXX and provided their contact information.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IA)

I participated in an offer by Citibank to earn XXXX airline miles by having an account funded with {$50000.00} for a period of 3 months. They do not dispute that i complied with all elements of their offer as presented to me in their mailer. 

They opened a claim XXXX and sent my a copy of a provision they said was contained in their online terms and conditions ( which I have never seen before ) which stated that I needed to keep the account open ( not funded ) as to such a time that they got around to crediting the miles to my account. 

I operated in good faith and complied with the " fine print '' in the offer they sent me. 
Why didn't they add that simple bit of language to the original offer? I would have gladly left the account open a couple months as it had a XXXX balance and was of no consequence to me.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX when my home was for sale with and agent there was a water leak that flooded part of my home. I informed Wells Fargo immediately when this occurred to see if I could get relief. Of course there was not response. I contacted my insurance company and they brought in equipment to dry the floors, but as they were wood, they were ruined in 2 rooms with some baseboard damage. I settled with the insurance company and informed Wells Fargo loss department that I had settled, pick out flooring at The XXXX XXXX and had a quote. The representative said they worked with XXXX XXXX all the time and I just needed to send the check and the quote and they would cut a check to myself and XXXX XXXX. I received the loss draft and overnighted it to Wells Fargo Loss Draft department on XX/XX/XXXX. After several calls and excuses by Wells Fargo they finally sent the check to me on XX/XX/XXXX. I had to then order the carpet and all the work was completed on XXXX. I requested the Loss Draft Department to apply the excess insurance proceeds to go towards my payments per my Note with Wells Fargo. If these funds had been applied as requested my loan would have been current. Instead they posted my home for foreclosure added attorney fees and demanded the payments even though they had the payments. Since that time I have been trying to deal with them to get the payments posted. Yesterday when I called them they said they were recording the call and again refused to post these payment and posted the foreclosure again for XX/XX/XXXX. Even though they acknowledged the work for the repairs was 100 % complete. This has caused buyers to avoid my home as well as causing extreme XXXX on my wife, her XXXX XXXX XXXX XXXX, and myself. I am XXXX years old and lost my job in XXXX. I have to take an entry level position and my income is only XXXX of what it was before. I am trying to get out of this loan and they will be completely satisfied when it sells. I was only trying to make a small amount as this was my retirement. If my only recourse is to sue them in civil court I am prepared to do so.
Consumer complaint received 2020-06-24
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: Early Warning Services, LLC (FL)

My account was hacked, my password was changed and locked me out. There was a check deposited ( {$4200.00} ), that I immediately called XXXX  XXXX XXXX about and reported it as fraud. They told me they would look into the claim, and never gave me any answers. Then out of the blue they close my account, without letting me know. I paid off any debts that I owed and zeroed out the account. Now months later I am trying to open another bank account, and they have reported false information to EWS. Every banking application I submit gets denied because I have fraud on my report. I have called the banks, and EWS and no one will help me. The only thing I have seen that is giving me hope, is to file a report through here. This was in XXXX, it is months later and this is still affecting me.
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO THE FEDERAL AGENCY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MO)

Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees US bank falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what US bank was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that US bank was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

There is no option on the website for when I make an over-payment to have it not advance the due date. So every time I try to apply the payment to the principle it goes toward the next months amount owed. I have called several times now. The last time i called they forced me out of auto debit stating that they could fix it if I was not auto debited. It has been 13 days since then and nothing has been fixed. I owe more money in intrest now that im out of auto debit and they have still not fixed the issue.
Consumer complaint received 2018-06-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (MI)

This company does not honor the payment due date on our loan. The initial do date for payment was suppose to be the XXXX of every month, instead they refused to honor the correct date and when this was brought to there attention they refused to do anything about it. They would call and harass my husband and myself by the XXXX of every month, stating payment was late and due on the first of the month. We would say that's not true and they would become extra rude, threaten to take our home and call excessively anytime day or night. When you finally call and try to make a payment they transfer you to the collections department, so they can be rude, talk to you like your two years old and demand to know why you did not make the payment on the first of the month? When reporting to the credit bureaus, our credit reports state late and this company also adds late charges. This company has ruined both my husband and I credit reports. At one point I called to make my payment and the manager refused to take it because I would not answer his questions and allow him to be rude me. If cfpb was to look this company up online, you all would see all the negative reviews and complaints. We are in Litigation at this point. They have sued us and we return back to court this month. The court case was adjourned because, no one from the mortgage company came and the lawyer handling the case only provided some hand written payment date change. I have never known any contract that says one thing and does another, without an amended agreement typed, signed and agreed between all parties involved.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have monster mortgage servicer and a monster private invester And I am stock They dont want to work with me because the thief invester doesnt care What should I do loose my Home thats not an option It is disgusting thats government has no resources broker who got this garbage loan and the invester chested and I have to loose my Home
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (MS)

To Whom It May Concern, This complaint is a formal complaint against the company Equifax. I recently pulled my credit report and noticed one inquiry on my report without permissible use. According to the FCRA, they should be removed. I have sent in many letters disputing the unauthorized inquiry that I am aware. Many attempts were made to over come this problem with the creditor and reporting company. The inquiry name and date is XXXX XXXX XXXX , Auto moblie Dealers, Old, XXXX
Consumer complaint received 2020-07-13
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. (TN)

This account is still on my credit report from the original creditor even though its is stated in the comments that the account has been sold to another lender. The original company and the credit bureaus are giving me a very hard tome with getting this account off of my credit reports and this is very unfair.
Consumer complaint received 2020-06-24
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. (FL)

I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

The credit reporting agency is in violation of consumer rights to privacy from third parties ( Reporting agencies ). In violation of 15 U.S. Code 6802. I OPT out. 
In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; That disclosure was never received either electronically or a letter. I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and is explained how I can exercise that nondisclosure option.