davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

To CFPB, My name is XXXX XXXX, I have asked lakeview mortgage to close my FHA case number because I was going with a different mortgage company that gave me a better rate and I felt more comfortable with. They have told me that it was done but it has not been completed.I am not able to close because they have a file still open with the FHA. I have contacted lakeview as well as the mortgage company that I am going with has contacted them, to ask them to close the file, as well as give them the steps to close the file number so I can close on my mortgage. They have not done so and it has been over 3 weeks now. 
I have spoken to XXXX XXXX the mortgage loan originator his contact number is XXXX or XXXX NMLS # XXXX / Company NMLS # XXXX. I have also contacted the Loan processor XXXX XXXX XXXX XXXX XXXX , XXXX on Behalf of Lakeview Loan servicing her number is XXXX. 
This has cost me over {$2000.00}. I have sent emails and phone calls still to no avail. Lake view is telling me that they have cancelled it but when my mortgage company goes to check the FHA file is still not closed that lake view has pulled with the FHA. I feel as though they are playing with my finances and my credit by not closing the file they had pulled with the FHA after numerous calls and emails and a form of retaliation because I chose a different mortgage company to do my streamline refinance. 
please help me to get this resolved. I hope they are not doing this to other people. 
this is costing me time, money and energy that is unnecessary. 
if you have further questions do not hesitate to call me. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2019-08-15
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 DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Associates Fraudulently opened an account in my name back in 2013. I did not know of the account and somehow it ended up with a negative balance and then closed. I learned about this while in bankruptcy so I included the balance in my now discharged bankruptcy. I tried to open an account with Wells Fargo, then opened the account and then closed it the same day because of what their previous associates did who nolonger work for the bank.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — Store credit 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 (IN)

On XXXX XXXX, 2017 I placed an online order with XXXX XXXX. I had the order shipped to my home address. The package never arrived after I received notification. The package was erroneously shipped to my previous address where I have not lived in 3 years. Prior to this order XXXX XXXX has delivered orders and mail to my current address. I contacted XXXX, the post office and lastly XXXX XXXX. They insisted that the error was not theirs and I should go and retrieve my packages. I asked 3 times to speak with a supervisor and they denied that request. I just wanted them to re-send the merchandise. I called back and asked that they credit my account the {$110.00} XXXX that I already paid ) and they refused,
Consumer complaint received 2020-11-22
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)

Payments marked LATE in XXXX, XXXX and XX/XX/2019. I was traveling and thought Auto Pay for monthly lease payment was enabled via the bank website. I was informed in early XX/XX/2019 that two payments had been missed and resolved the issue immediately. 
Not a single representative at XXXX  was helpful, in the slightest, and my credit has been significantly affected by this error. I have explained that the error was a website issue and there should be some sort of FAIR resolution but they wont even respond to my request. I only recently received a form letter in the mail.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (LA)

XX/XX/2021, PayPal, {$950.00} and {$2500.00}! My credit union stopped payment on the {$2500.00} and disputed the already paid {$950.00}. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX! PayPal refused to stop the payment on their end after 6 attempts to complain and filed a claim of fraud! The people trying to defraud me are XXXX XXXX ( XXXX ( XXXX ) XXXX, XXXX ), XXXX XXXX ( XXXX, money sent on PayPal ) , XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) used priority USPS mail to send fake check ( tracking # XXXX )! Car Wrap job scam! I have also filed a complaint with the consumer protection agency ( reference # XXXX ) and with the USPS inspector general ( reference number is XXXX XXXX XXXXXXXX )! PayPal is refusing to stop payment on these transactions even after my credit Union said they were fraudulent! Case # s ( {$950.00} dispute Case ID : XXXX ) ( {$2500.00} Dispute Case ID : XXXX )!
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credits, Incorporated (OR)

Credit Inc of XXXX, OR claims they sent one letter for a {$100.00} medical collection, I never received any communication from them regarding this debt, when I called I was advised she is sorry I didn't get the letter but I could pay the debt and it would still remain on my credit as a paid collection. It is completely unfair that a company can ruin someones credit over {$100.00} medical bill with no proof they sent you a letter. I have good credit and would never jeopardize my credit over a small medical bill. I also intend to pursue them in court if this is not removed. There company reviews online seem to have people saying the same thing.
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Works & Lentz, Inc (OK)

I was admitted to XXXX XXXX Hospital  in XX/XX/XXXX. XXXX XXXX   XXXX, a debt collection law firm bought the debt of XXXX from them.  In XXXX of XX/XX/XXXX, they received judgement against me in civil court.
I disputed the amount of what they said I owed them. I asked for a detailed accounting from the hospital and the law firm.
The next thing i know, my bank account is garnished for XXXX on XX/XX/XXXX.
When i called and asked them why they did that, they where quite evasive and ill tempered. 
At that time,I had a lawyer to talk to them about setting up payment arrangements, they would not, because they want me to pay XXXX a month, and can only afford $200 to $300.
I send them in what I can pay each month!! but they keep garnishing my bank account, causing me to be constantly overdrawn. 
 XX/XX/XXXX, they cashed the payment I sent them in for that month and at the end of the month June, they garnished my bank account again, for XXXX
They keep cashing the checks I send them each month, but they keep garnishing my bank account, causing me overdraft fees, and dragging me to court.
If they keep cashing my checks, I'm paying a fair amount, why the harassment?
All because they only want to accept XX/XX/XXXX when I can only pay $200 to $300.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent XXXX XX/XX/XXXX an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??
Consumer complaint received 2019-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was charged {$69.00} XX/XX/XXXX and XX/XX/XXXX for spirit airlines for services that I did not use for that time. I did not authorize these charges and did not use this service. Bank of America failed to resolve the dispute. They claimed it was not fraud and I could dispute the charges. When I tried to call they kept transferring me to different departments and nothing is being resolved.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I have been a Coinbase customer for approximately 6 months. No issues until I purchased a new phone and my authentication key was lost. I use a 2 step process for security purposes. At any rate, their process to have that XXXX requires a user to upload a picture of a valid ID XXXX both front and back ) before the process is started. My ID has my entire middle name XXXX XXXX XXXX instead of just my middle initial, which is how I established my XXXX account. 

At any rate, I have patiently contacted them on numerous occasions via email. Responses are simply cut and paste. At one point I was told that they were investigating the issue but have n't heard back. I attempted to call their customer service line numerous times and eventually was placed on hold by an automated service while waiting for a specialist. I literally sat for 1.8 hours on hold. 

I have a lot of money in my account and simply want access. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I have placed a security freeze on my credit report account at Experian in XX/XX/2017, for a {$10.00} fee. I am now trying to temporarily remove this freeze again but Experian 's website is not allowing me to do this, despite that : - all my entered information is correct - there never has been any fraud, theft or other issues on my credit report/info - I provided the correct PIN number that was specifically created for the freeze - the identical information provided was good enough to procure a free credit report on XX/XX/XXXX The website reports that it can not verify my identity and that I have to mail in copies driver license, proof of residency, and SS #. 
This is a ridiculous and onerous request. Sending all this information by paper mail is unsafe. The request is especially ridiculous since I myself have initiated the freeze and have the correct PIN. If setting up a freeze online is possible, it must be possible to also unfreeze this account online. I have recently moved but my new address is a previous place of residence. All my former and current addresses are already known to Experian, as recent free credit reports show. If identity can be verified online for a free credit report, why all of sudden would my identity be not verifiable when it comes to a security freeze? 

I should also state that I only initiated the freeze due to the infamous hacker incident of client data in XX/XX/2017. I find Experian 's handling of this issue unprofessional and exceedingly burdensome ; this is the reason for my complaint.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Nationstar XXXX dba Mr Cooper is charging rate lock extensions XXXX borrowers by knowingly transferring all files that they suspect can close in less than 30 days XXXX employees who were on coaching plans for performance. They created a division called XXXX that all individuals who could not maintain regular production goals were demoted to. They then started transferring all loans without appraisals to this group. These loans can typically fund in less than 30 days, on average, however with the employees who couldnt do their job function in their previous role, they are extending the rates at a cost to the borrower.

Furthermore they require loan processors who are not licensed to discuss fees and update pricing/product changes when this should be a function of a licensed loan officer. Most often fees are not disclosed or discussed since processors are not trained in this area nor is it their expertise. These procedures are written in their call scripts. Closing Disclosure calls should be completed by the licensed loan officer who initially handled the negations of fees and pricing.
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

Hello, I have reached out to Convergent several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a signed contract that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank Amazon Store XXXX. I open an account with Synchrony Bank ( Amazon Store Card ) and in XX/XX/2019 and by XX/XX/2019, I had still not received a paper bill - for any billing cycle. They kindly waved the late fee in XXXX. However, when I missed XXXX 's bill ( due to not receiving a bill ), I was unable to convince them to remove the late fee. This account is now closed.
Consumer complaint received 2019-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

Have been in contact with this person since XX/XX/XXXX. 
XXXX : XXXX Informed us that the puppy was available for XXXX $ including shipping and health guarantee they prescreened me and sent me over the signed copy of Bill of Sale and Transfer of ownership papers so I can sign and send back Sent them XXXX $ via XXXX transfer on XX/XX/XXXX. 
then the Shipping company got back to me saying, the shipment of puppy is held back because the crate was not upto the standards and i could rent their crate for a refundable deposit of {$1500.00} to proceed, made this transfer via XXXX on XX/XX/XXXX. 
Today as of XX/XX/XXXX, I never received the puppy and the shipping agency is asking for XXXX $ as a refundable deposit for the pet insurance as some pet policy. 
Neither the shipping agency nor the shipper are responding to my calls or texts. 
After realizing that this is a scam made several calls trying to get help from customer protection from chase bank all they say is the transaction was made through 3rd party  XXXX and they can not do anything about it
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (CO)

I am very frustrated! Some company online stole my information and charged over 1000 dollars from my unemployment account. Its ReliaCard, They have put in a dispute they say? I can not pay my bills because they have a hold on my unemployment money. Why should I be punished for the people who stole my identity. I am completely broke and can not pay my bills my rent is going on 2 months late! This ReliaCard is horrible. When I call they do not know what they are talking about, I get a different response every time, I have sent in my drivers license, my sac. A electric bill, what do they want next my DNA. Please please help me.
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lloyd & McDaniel, PLC (KY)

I have been making regular payments on 3 accounts that I have with Lloyd and McDaniel.  I have never missed a payment and I have kept all my confirmation numbers that I get each time that I make a payment.  However, last month Lloyd and McDaniel claimed that I had skipped a payment of $XXXX.  In doing so and without notice they levied our bank account and emptied it.  They took $XXXX.  Also our bank charged us $XXXX for them doing this.  I contacted Lloyd and McDaniel and was told I had missed a payment.  However, I was able to give them the confirmation number to the account they claimed that I missed.  Once I did so they realized and admitted that it was their mistake.  Somehow their payment system posted my payment to one of the other accounts even though I had put the correct account number in there.  They said they would make it right and would have the funds released and would also pay for the fee the bank charged.  I was told to expect the payment in a week.  When that week came and went I called a week later and got the same story.  So once again I contacted them and was told that if I hadn't received our money by this past Wednesday the 14th to call them.  Our bank account was emptied and as of today Lloyd and McDaniel has still not corrected their admitted mistake.  We cannot afford and attorney but I have been trying to find someone to help us.  It has now been 3 weeks and they have still not returned our money to us.  Please help us somehow!!!!!
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent XXXXXXXX XXXX XXXX an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Centralized Business Solutions Company (OH)

Received debt collection letter in XX/XX/2021 for medical bill. Never received previous medical bill from provider. In XX/XX/2021, sent dispute letter asking for copy of last billing statement, amount of debt, amount of reductions since billing statement, when debt became due, and whether debt was within statute of limitations. 

We knew the debt from collection agency was wrong because insurance had recently made a payment after the provider finally billed them in late XXXX or early XXXX. The provider didn't send a complete claim to insurance until after they contacted the debt collector. The collector never responded to the dispute notice or any of our questions. They only provided a new bill for the correct amount in XXXX and ignored our previous communication entirely.
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Chase bank : Claim XXXXI noticed my funds were low on Chase app and is when I seen a large withdrawal on XXXX/XXXX/XXXX for {$200.00} and {$100.00} on XXXX/XXXX/XXXX which is not mine. I called Chase bank on XXXX/XXXX/XXXX, submitted claim for those first two and hung up. Then I started backtracking and seen other smaller amounts and called Chase again and added those to the claim and is when the bank rep and I counted a total of 11 transactions between dates XXXX/XXXX/XXXX through XXXX/XXXX/XXXX for a total of {$1000.00} at the same exact ATM machine, and most took place between XXXX XXXX XXXX. At first it was small amounts so it was n't noticeable, so the last two larger withdrawals is when I took notice. I do n't withdraw cash from a Non ATM because of the steep bank fees. I was given credit for the full {$1000.00} on XXXX/XXXX/XXXX, but they reversed the credit on XXXX/XXXX/XXXX, the reason : because it was done at an ATM machine and my pin was used. I had no idea how this took place being that the my debit check chip card was on me at all times and I do n't give out my pin or write it on my card. I called Chase and was told I would have to prove where I was when transactions were taken out. I can not prove where I was at XXXX XXXX I filed a police report on XXXX/XXXX/XXXX, report # XXXX with Officer XXXX XXXX with the XXXX XXXX CA police dept. I also filled out an Identity Theft Victims Complaint and Affidavit and got it notarized and faxed to Chase on XXXX/XXXX/XXXX. I might also add that the Police Dept. is who explained to me what skimming was since I was unaware this was possible. Chase claims department kept giving me run around and would give me different dates to follow up on my claim since according to their claims rep, they were backed up. As of today, XXXX/XXXX/XXXX, they sent me an email denying my claim again, even after submitting all necessary documents for full investigation. I 've had the same bank account for over 20 years and I have never had anything like this happen. I am saddened and in shock that a bank that I pay fees to every month, does n't care about their clients even when its clear that these withdrawals were fraudulent.