davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AR)

I submitted a full package to my lender in hopes for assistance in keeping my home. I was informed that there was not enough time to review my file as they required 37 days. The documents were submitted on XXXX XXXX, 2016 and my foreclosure sale is on XXXX XXXX, 2016. Accordingly to homeowner bill of rights I have the right and options to avoid foreclosure yet I feel it is not being provided to me.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Within in my credit report I have that in 2010 I filled for unemployment, when this is impossible as I am self employed. On my son 's report ( he has the same name as me ), he has that he has paid a few vehicles, which were mine. So it looks like we have mixed information.
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (MI)

I filed XXXX income taxes for XXXX. Per my tax return and XXXX form, {$760.00} was withheld during the year. I overpaid and was due a refund of {$64.00}. {$700.00} should have been withheld instead of {$760.00}. 

In late XXXX, I received a Demand for Payment from the XXXX - stating I owed them {$700.00} plus interest. 

I sent them proof of payment, disputed the claim and requested documentation. 

I heard nothing further from them. 

In XXXX XXXX, GC Services sent me a demand for payment on behalf of the XXXX. 

On XXXX XXXX, I sent them a certified packet including copies of the documents I sent to the XXXX XXXX XXXX, tax return, letter with request for documentation ). In my cover letter to GC Services, I again requested documentation and issued a cease and desist of further demands for payment on the bogus debt. 

The certified packet receipt was signed by GC Services front desk staff on XXXX XXXX. 

The calls started XXXX XXXX. They 've called me four times and left XXXX messages, each indicating that I " have to '' call them and refer to a case number. 

I want to nip this in the bud. 

How do I make it stop?
Consumer complaint received 2024-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (NM)

Yes, I am not sure why my XXXX  Loan Forgiveness Application was denied in XX/XX/XXXX. I have been XXXX at XXXX XXXX XXXX in XXXX, XXXX  since XXXX. Before that I was XXXX  at other low income schools as a XXXX XXXX XXXX. In the denial from Aidvantage, it stated that XXXX XXXX XXXX was not in the directory of low income schools. And I checked, and it is. I just reapplied for loan forgiveness today and sent them a screenshot of the school I work at existing in the directory. Their actions are very dishonest, fraudulent, and predatory and I want the loan forgiveness I have rightfully earned per the XXXX Loan Forgiveness Program rules. I also want the money I have been paying to them since XXXX back. I am so frustrated. It's not that hard to look for the name of a school arranged by location and alphabetical order, so I have a hard time believing this is not purposeful.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (IL)

This is how PNC closed my account Nonsufficient Funds ( NSF ) Fees for Instantaneously Declined Transactions https : //www.consumerfinance.gov/rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX prohibit NSF fees on transactions that are declined instantaneously or near-instantaneouslythat is, those declined with no significant perceptible delay after the consumer initiates the transaction. This prohibition would cover transactions involving the use of debit cards, ATMs, or certain person-to-person apps. The proposed rule would declare that charging such fees would constitute an abusive practice under the Consumer Financial Protection Act.

They need to stop : Unfair Returned Deposited Item Fee Assessment Practices addressed potential unfairness concerns with returned deposited item fees, then put the consumer account on hold, hold up the funds, then close the account. The account that you never authorized anyone to close. the account that you are the registered authorized owner of. The account that you gave them your social card and collateral signature and they gave you nothing in return, then abruptly close the account with no notice, causing you to scramble around with great harm and injury to yourself and your financial situation. not only is this unlawful but its criminal. 

Then my account was closed ....
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MI)

Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX XXXX I refinanced my home in XXXX XXXX, with my first mortgage payment due XXXX XXXX, XXXX. In XXXX I received notice that my mortgage was transferred to XXXX XXXX XXXX XXXX and would be serviced by LoanCare, XXXX. I tried to make an account, but could n't, and as it was nearing the time I would need to make my first payment, I called to find out what was going on. The lady told me that since the effective transfer date was XXXX XXXX, the info was n't in their system yet and that they would mail me all of the info when it was in their system. I asked how what to do about my first payment, and she said that I could pay it once they had things set up, that there were no penalties of any sort for being late after being transferred, so not to worry. I waited and waited for the info packet to arrive, and finally on XXXX XXXX I gave up and called again. It turned out they had just put it in their system ( and I finally received the info in the mail a couple of days later ) so the lady was able to help me get my account set up. I immediately went ahead and paid my XXXX and XXXX payments. I noticed there was a " one-time payment fee '' of {$10.00} automatically added and thought that was steep, but it would n't let me set up auto-draft yet as I was " behind '' so I just paid it. The next time I went to make a payment, I was deciding between a one-time payment and auto-draft and noticed that there was no fee this time. When I looked at everything closer, that is when I discovered that the " one-time payment fee '' of {$10.00} was only for when you were paying XXXX15 days late. So even though I called well before my payment was due and was assured there would be no penalty ( as there was really no way for me to pay yet ), and I paid BEFORE they even sent me the info to allow me to set up my account ( as I had gotten impatient and called again ) THEY STILL CHARGED ME A LATE FEE. I emailed them about the matter and received no response. I forgot about the situation until recently receiving a notice that my loan is again being transferred. I once again emailed them about the situation, and once again received no response.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Esperian Credit Reporting has continually reported false and negative information pertaining to a loan at XXXX XXXX XXXX XXXX California. They show wording s foreclosure started. XXXX XXXX XXXX which realized this was to be removed has put that in writing to CPB and Esperian to remove this from my record. This was a bad loan from the beginning as stated by The California Department Of Justice. The real issue is the failure to perform by Esperian.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (NY)

I wanted to get a copy of my FICO credit report as I am about to apply for a mortgage and wanted to know what my FICO score was, as that is the score most often used by mortgage lenders. I happily paid Experian {$43.00} for the credit report, and was automatically enrolled in their credit monitoring service. I knew their credit monitoring service cost money and that you had to cancel it before the 7 day free trial was over. I cancelled it the same day I got my credit report, as I did n't need the credit monitoring service and did n't want to be charged more. I read the fine print, and I followed through on the instructions to the best of my abilities. Two weeks later, I received an email confirming my purchase of a further credit report and informing me that I am still enrolled in credit monitoring services. I have now cancelled twice and am still not sure if it is fully cancelled. One part of the website says you can cancel online by pushing a few buttons and confirming your cancellation. Another part of the website says you can only cancel by calling their number. The confusing and conflicting instructions, predatory withholding of information, and hiding behind small print are appalling from an agency that is one of three credit agencies. In order to get a mortgage - a basic need of many Americans - Experian and the FICO score are necessary. It is shocking that the CFPB has not shut down Experian 's credit monitoring predatory service.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (CA)

I ha ve   XXXX    account s   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX    American Express    XXXX   XXXX    But on my report they show only  XXXX  accounts and that 's the r eason my score went low
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/XXXX Synchrony Bank issued me a new line of credit of {$4000.00} on a Sam 's Club XXXX credit card. In XXXX of XXXX Synchronchy turned around under 30 days later and decrease another Synchrony XXXX credit card of mine to XXXX by approx. {$2000.00} because my of credit score? They just approved me for credit, how can they retract it 30 days later with no missed payments or fault of mine? 

Not only did they decrease my limit on the XXXX credit card, but they removed the entire available balance, leaving the credit card maxed out with only {$13.00} available and putting it from its previous 40 % utilization to now 98 % utilization! The damage their actions will cause to my remaining credit is very severe and will start a snowball effect I will not be able to recover from. 

This is a very deceptive credit lender practice, issuing new credit to an long standing loyal existing member only to retract half of it 30 days later from the member 's other accounts and damage their credit! 

As a Synchrony member with multiple accounts over many years, I have zero late payment history. Across all credit bureaus I have zero late payments, collections or any delinquencies on any accounts. So the basis to remove the credit I have been 100 % responsible for is unsubstantiated.
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (FL)

Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX* 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXXXXXX XXXX account XXXX 4. Bank XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

Payment was made on XXXX XXXX, 2016 and still have not credit my account. 
XXXX Ditech Logo BUY A HOME HOME REFINANCE CALCULATORS RESOURCES MANAGE MY ACCOUNT LOG IN UPGRADING OUR SYSTEMS IN XX/XX/XXXX Home / Upgrading our systems in XXXX We 're making improvements We 're improving our systems to serve you better. 
We 're upgrading our systems! 
Thank you for your patience. 
Ditech is in the process of upgrading our systems. When this work is complete, our customers will experience more efficient service through expanded capabilities like : Faster billing statement delivery Improved online payment options Digital alerts through text or email Free automatic payment plans On Friday, XXXX XXXX, your account access will temporarily interrupted as we install these upgrades. 

Customer service phones & online systems will be unavailable on Friday, XXXX XXXX As part of a planned systems upgrade, the XXXX online service, our automated phone menu, and the customer service call centers will be closed on XXXX XXXX, 2016. Ditech will reopen for business XXXX XXXX and on that day our customer service center will stay open until XXXX XXXX CST to serve you. 

XXXX account data may be unavailable in MyAccount until XXXX XXXX XXXX XXXX XXXX, you will be able to access your secure information in MyAccount. However, for some customers, the information shown there will reflect only Ditech mortgage loan activity as posted through XXXX XXXX, 2016. Any payments made on or after XXXX XXXX, 2016, may not be visible in your transaction history or your balance until XXXX XXXX. 

Payments made on or after XXXX XXXX will post on the date received If you make a mortgage payment on or after XXXX XXXX, 2016, we will post your payment effective the date it was received. Your up-to-date account information will be visible in MyAccount on or about XXXX XXXX. We will post all payments received on XXXX XXXX with an effective date of XXXX XXXX. 

Thank you again for your patience. We expect these upgrades to improve our service and your experience with ditech. 

ditech, a XXXX company XXXX
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NE)

On XXXX XXXX, I received a fraud alert text message from Wells Fargo. Someone had used my debit card information to spend {$150.00} at XXXX department store. I had my card in my possession, so the thief had actually stolen the information, but not the card itself. I immediately filed an official fraud claim with Wells Fargo, and they were able to discontinue that card and give me the money back, along with a new debit card which I started using the very next day. However, the next time I checked my bank statement I noticed another fraudulent charge on my bank statement for {$410.00} from XXXX XXXX and XXXX, using the same card number, that showed as happening on XXXX XXXX. I again immediately filed a fraud claim with Wells Fargo, and they provisionally put the money back in my account while they investigated. 

Yesterday, I received a letter from Wells Fargo saying they decided that the {$410.00} charge was NOT fraudulent, and they would be closing my claim. They sent a copy of the XXXX XXXX and XXXX receipt, which showed that the thief had bought XXXX {$200.00} gift cards, and scribbled an obviously fake signature. The date of the transaction was XXXX XXXX, a day before I received the Wells Fargo Fraud Notification Text about the XXXX XXXX transaction, but I never received a notification for this transaction and moreover, it did n't appear in my bank statement until XXXX XXXX so I was not able to notify Wells Fargo in a timely manner due to their own system delaying me by over a week. 

I feel that XXXX XXXX and XXXX did not do their due diligence by allowing someone to use a fake debit card without checking identification, and Wells Fargo completely disregarded my value as a customer with their investigation, and I am now using XXXX XXXX available to get my stolen money back.
Consumer complaint received 2017-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Cashed 2 of my personal checks to pay my rent to XXXX XXXX There client " account holder '' XXXX XXXX XXXX XXXX XXXX chase cashed my rent payment and placed in there clients Chase Bussiness Account. XXXX XXXX, 2017 after waiting over a hour soke with XXXX XXXX ' XXXX Branch Manger Chase Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX phone XXXX. Whom informed me it would take 3 years for me to get refund and duress payment. I am asking fro the account of payment and dress payment XXXX that is smallest account in small claims court. I contacted there client XXXX XXXX XXXX asking return of my rent payment and duress. I was told No they were not going to return payment there reply '' We do not look at checks we just cash them " and hung up the phone. { I guest Chase Bank Does Not Read Checks Either }
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below XXXX ) account name : XXXXXXXX XXXX XXXXXXXX The account listed above is currently a closed account and that's more of a reason I want that account to be removed off my credit reports
Consumer complaint received 2024-01-28
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (NJ)

I purchased furniture at Raymour & Flanigan on XX/XX/XXXX that had a Deferred Interest for 12 months. They refer to this as Plan 1. I set up an autopay monthly that was to clear the entire payment on XX/XX/XXXX. I paid the entire amount of this purchase on XX/XX/XXXX with a payment of {$410.00}. 

I made XXXX more purchases on XX/XX/XXXX and XXXX, XXXX similarly with Deferred Interest arrangement. These are Plan 2 and Plan 3. I setup an autopay for it for {$400.00} per month with the first payment of {$400.00} on XX/XX/XXXX. 

However, the statement closing XX/XX/XXXX put an interest charge of {$880.00} because they applied my payment of {$410.00} which was to close the Plan 1 to Plan 2 and 3 instead. 

The only reason they are unable to reverse the finance charge is because the lady said it is already more than 60 days. I have been taking care of my spouse who was undergoing XXXX treatment over this year and have not had the time to necessarily look at all statements where I have already setup an autopay.
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

On or about XXXX XXXX, 2016 I booked my traveling arrangements including my flight and hotel ( bundle ) reservations for a 3-day stay at the XXXX XXXX XXXX in XXXX XXXX, FL. The arrangements were booked through XXXX. I agreed to pay the airplane tickets for a listing price of {$190.00} each and proceded to booking XXXX seats ( XXXX adult, and XXXX kids ), but inseated was charged {$370.00} for each ticket and XXXX for hotel reservations and insurance. Back in XXXX I called both XXXX and American Express to advised them of this error and provided them with the opportunity to amend this error. Yet they XXXX have failed to make me whole again. Upon reviewing my credit billing statements in XXXX my total fees amounted to {$1700.00} plus the {$190.00} listed three ( 3 ) times. My American Express Card # XXXX and the disputed amount was listed for {$950.00}. To date American Express data base claims they have no records for my account or the claimed I filed with them. The only information I received from them was a survey on the billing inquiry. American Express failed to investigate my billing error according to the billing and error resolution timeliness as prescribed under Regulation Z. To date they have n't resolved this claim and have not admitted they have made a mistake in resolving the error. My account was sold to XXXX Bank in XXXX 2016 with a new assigned credit card # XXXX, I have reached out to them too and they do n't have a record of any of my statements or this claim. I would like for you to investigate the results of my claim.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have two collection accounts that popped up on my credit report. I notified the bureaus with a letter and included a fraud report. They removed one of the collections, but they left the other collection account on. They did not provide me any response and I do not understand why they would remove one account, but not the other. Neither of the accounts belong to me.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CHARLES SCHWAB CORPORATION, THE (NV)

Charles Schwab stockbrokers control Schwab which generally consists of XXXX people ; they illegally operate interstate banking using a combination of primarily brokerage account, BU THEY CONTROL THE BANK, They are attempting to close my checking account which they have no legal authority to do. They are NOT happy when I shorted Schwab stock and bought a put option. 

We believe that the FDIC could shutdown for unlawful banking activities We believe the CFPB should assess Schwab {$500.00} XXXX. 

We wrote perhaps {$55000.00} in checks against a {$90.00} thousand deposit and these check including a check for the purchase of a car need to clear.
Consumer complaint received 2018-03-19
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. (TN)

I have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.