davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

I have been trying to get my {$750.00} back from XXXX Bank since they lost it last XX/XX/2020. I file a complaint with CFBP after spending months on my own trying to get it back. 2 months after XXXX got involved they found my money and submitted a letter to this bureau and to me dated XX/XX/2020 stating that my money was recovered and a check for {$750.00} would be issued to me and sent to my home by way of XXXX within 10 days. Once again as of today XXXX I have received nothing. I call XXXX Bank I believe on XXXX to find out what happen to the check that was to be sent to me back in XXXX. Here we go again. No one knows where that check went to like before it just vanished into thin air. after nearly XXXX hours on the phone with XXXX different people that would not give there names or telephone ext. I got promise that I would hear back from them within XXXX hours. That was XXXX weeks ago and I still have heard nothing. I am completely lost all patients with that Bank. I want to sue them put them on the news and I believe they should be treated like a criminal that steals money gets caught and still doesn't return the money to its owner. If I wouldn't give them their {$750.00} Payment 10 months ago I would be living on XXXX XXXX with bad credit and no where to go. Please help and advise me on what to do next. 
My old claim number with CFPB XXXX I have all the paper work proving everything I have said is true. 
Thank You XXXX XXXX XXXX # XXXX
Consumer complaint received 2015-06-18
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Check fraud in my checking and savings account with USAA Saving Bank in XXXX XXXX, TX. XXXX notified bank of fraudulent activity on XXXX/XXXX/15 and checks continued to be deposited until XXXX/XXXX/15.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

FED Loan is showing me missing payments after I had applied and was approved for a forebearance and was told that once it was submitted, complete then my payments for those accounts would be corrected. It is showing as missed even though I had been approved.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OH)

I have attached all information pertaining to my case please review all information from National City Bank ( PNC ) Bank. The procedures were unjust and unfair. I have 2-1/2 feet of documentation that I need to dispose of and I was just advised not to destroy in case someone want to review the case. I feel that I am interfiled to compensation not only for the errors but, emotional distress this suasion has caused. This case is more than similar to the case that was printed in you article about the women that took two years to resolve her nightmare issue with her mortgage while she remained in her home. I had to move out of my home due to Sharif 's orders after doing everything correct. PNC bank received funds that I worked hard to get from back taxes, the first modification was not transferred back into my name legally and I was forced into bankruptcy due to the situation in order to afford the terms and assessment that never existed. So I paid rent to PNC bank thinking that the home was mine and caused undue distress trying to do sue. I did no qualify for HAFA and did not qualify for the {$500.00} for turning over the keys to the home. I was under home emotional stress my signifigant other was XXXX in XXXX and my home was in XXXX XXXX.
Consumer complaint received 2016-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC (TX)

I was dealing with Royal United Mortgage. A woman by the name of XXXX XXXX leaned on me for about 3 weeks to have an estimate on my house, XXXX assured me that I would be on a fixed 4.25 % interest rate. After I spent {$430.00}. on an estimate ( she also lied about the cost ) ; they upped the interest rate to 5 + %.
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Brett M. Borland, P.C. (CA)

Paid off my debt with Brett Borland PC law firm a week ago I am still waiting for my proof that they were paid and confirmation email still was told I would receive it yesterday still Nothing. All this after they had supposedly lost my check for payment.
Consumer complaint received 2017-03-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

Multiple months now I have received letters from Navient claiming they have n't received my payments when my payments are auto-debited every month. I tried calling several times today and the recording on the phone says they 're closed even though their hours indicate that they 're still open, then the call just hangs up. This is very frustrating because 1. Where is my money going? And XXXX. I do n't want them to falsely report to the credit bureau that I 'm not paying.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

In regards to case number XXXX filed with the cfpb and the response from equifax, they have completed their investigation but have not provided any evidence from their investigation received from the furnisher of information regarding my dispute and when asked how was this investigation conducted, they stated electronically and the furnisher provided my name, address, phone number, and social but equifax did not receive any physical copies as required under FCRA section 609 therefore they refuse to remove this account and stated it is verified but the process they are using is not the correct process as stated under FCRA or considered as a valid, proper investigation.
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (SC)

I have been trying to apply for auto loans thinking I would be sorting through a bunch of offers deciding on the best  one. For days I kept getting rejection notices. Finally, one of those gave a reason ... my credit score  is over  XXXX  points lower than it should be. I immediately applied for a credit report. After analyzing the report I found an old  XXXX  account that has been trying to collect {$120.00} that was paid years ago. For the past 3 years they have been reporting to my credit report that I am delinquent on it without any notification to me. I no longer have any record of this payment since this is from 3 years ago. I have spent hours on the phone with  XXXX  and they keep giving me the run around.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OR)

Our XXXX 2016 payment was made, but not applied to our account. This resulted in a late fee for XX/XX/XXXX, late fee for XX/XX/XXXX, and a derogatory mark on our credit. I contacted Loancare by phone, and they told me to provide proof of payment via email. I did this one week ago, on XXXX XXXX, and they never responded.
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Social Finance, Inc. (NY)

I have applied for a loan to refinance my student loans with Sofi. There is a provision in the loan documents that states that if I pay the loan off early, they can still charge me the full interest as if I had not paid the loan off early. Is this legal? I have not yet signed the documents. SEE PAGE 4 OF ATTACHED LOAN DOC
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (CA)

I had XXXX XXXX XX/XX/. I received a letter from XXXX XXXX signifying I am " eligible for a discount of 100 %. '' This letter included the date of my XXXX. All XXXX  costs were nullified with the SOLE exception of {$100.00} for anesthesia, which was provided by XXXX XXXX. They have repeatedly refused to remove this bogus charge from my account, though I have repeatedly ( at their request ) resubmitted the financial aid letter as proof. ( They should not have needed this, as it was NOT an outside agency providing this service. ) They have since reported this to my credit. XXXX has already removed the false charge from my credit report after receiving the same evidence.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On or about XXXX, 2015, I was notified that there could potentially be fraudulent activity on XXXX of my capital one credit card accounts. At that time, I spoke with a representative and confirmed that it was fraudulent and a case was opened for both accounts. To date, I have been unable to reach the representative handling my case and I am told every time that I call that I must speak with her and then I am transferred to her voicemail and I never receive a call back. The fraudulent charges have not been removed from my account. I refuse to make a payment for charges that are not mine and Capital One is continuing to charge interest and late fees on both accounts, in addition, these charges exceeded my credit limit by twice the amount and now Capital One is reporting this information to the Credit Bureau and it is ruining my credit because it is showing my payments are late and that I am over the limit on both credit cards. I 've reported this information to the company and yet they refuse to remove it and offer no solution.
Consumer complaint received 2022-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

I have previously tried to refinance, thoughout Fall XXXX, and am now currently trying to sell a property, which I received down payment assistance on and financed with Ameris Bank. There are two liens on the property, one for the mortgage and one for the down payment assistance and they both come up in the title search. Previously and now, Ameris Bank has failed to provide the payoff amount for the down payment assistance, stating they have no record of it, but it comes up in the title search. I reached out the XXXX XXXX XXXX XXXX XXXX XXXX, the party who provided the funding, and it was stated they only provide the money to the mortgage holder but does not hold the lien itself. This has caused intense and undue hardship, as I am scheduled to close XXXX XXXX but am unable to do so, due to Ameris Bank intentional stagnation. When the attorney for the buyer reached out to get the information on XX/XX/XXXX, she was under the impression that it would be a relatively quick turn-around, but when I called myself, I was given the date of XXXX XXXX for them to investigate, but this is the second time and if they couldnt find between last XXXX and now, then they dont have it.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CA)

I was contacted by Monterey Collections in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal FDCPA that Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I believe that they are clearly violating the law by changing the account balance to cause harm to my credit score and increase it for their own financial gain. I have attempted numerous times to dispute this item with the Credit Bureaus to get the proper amount corrected but they are not sending my results back within the designated time frame or state that I need proof that it is me disputing ( despite the fact I have sent in the proof they requested ). I would like this issue to be resolved as they have clearly violated State and Federal laws.
Consumer complaint received 2015-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (MT)

Received an alert for a new account on my XXXX credit file. Enhanced Recovery CO, LLC reported a debt in the amount of {$900.00} owed to ERCXXXX. I have n't had service from XXXX for at least 10 years, let alone any communication regarding a delinquent balance. I attempted to call Enhanced Recovery, no answer. I disputed the entry on my credit report, it was promptly updated from delinquent as of XXXX, updated to delinquent as of XXXX. I was never sent a notice of the alleged debt and, subsequently, deprived of my right ( s ) under the Fair Debt Collection Practices Act ; to dispute the debt and receive validation of the debt.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: FIRST ADVANTAGE CORPORATION (IN)

XXXX XXXX a virtual call center sent invitation by email to complete background and credit check. I had to go to the First Advantage website and pay {$65.00} for a background check. The email from XXXX XXXX, list some of the reasons which may cause to fail. XXXX or more bankruptcies, XXXX or more civil judgement/leans in the past 5 years. I have the credit report from XXXX and it does not list XXXX or more. I have XXXX bankruptcy and XXXX judgement ( judgement which was satisfied in 2010 ). First Advantage score is incorrect it is not going by the email that was sent to me from XXXX XXXX. First Advantage sent XXXX XXXX a score of ineligible. This is a lost of the {$65.00} and a bad report to XXXX XXXX unable to work as an XXXX XXXX.
Consumer complaint received 2024-01-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc. (SC)

Cash App have asked me for verification several times to send my Id card each time before, I can use the card. They asked me to verify my address, and ID and other questions. I have sent to them through there verification progress, by downloading my ID into their system. 

The give me no explanations as to why.
Consumer complaint received 2015-09-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

On XXXX XXXX, 2015, I took a {$600.00} loan from Castle Payday and agreed to pay a XXXX-time {$150.00} interest on the loan. My XXXX due date was XXXX XXXX, 2015. When I called to pay off my loan I was told that Castle PayDay has withdrawn {$150.00} from my account already, but I was disappointed to learn that I 'll be required to pay an additional {$150.00} plus principal if I do n't pay off my loan on that day. However, the customer service representative I spoke to informed that if I pay off my loan by Wednesday XXXX XXXX, 2015 I 'll not have to pay any interest but just the principal. In fact, she wanted to schedule the one-time off payment but I told her that I will call on Wednesday because I expected the funds will be in the bank by then. 
When I called today XXXX XXXX, 2015 to off the principal ( {$600.00} ), I was told that I have to pay {$750.00} ( {$600.00} plus an additional {$150.00} interest ). I find this interest rate to be too exorbitant ; therefore, I would like CFPB to intervene to resolve this issue.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (NM)

Forewarning, I don't remember exact dates and I am lacking in oriented proper documentation. I was ignorant and have since learned to keep all documentation when dealing with banks. This was at the beginning of my financial learning and boy, has it been a big lesson. My name has also changed since the occurrence from XXXX XXXX to XXXX XXXX. 

In the year of XXXX I opened a high yield savings account with Citi Bank and deposited {$2000.00} into the account. I thought that since I had the high yield savings with them, I should open a linked credit card with them as well. I used the credit card and had a balance of around {$700.00}. I then tried to pay my credit balance with my savings balance to no avail. They told me that I needed to link an external bank account to pay the credit balance. It took many tries with chats, calls, and emails to try and add an external account. They started continously asking for a mailing address that wasnt a XXXX XXXX and I informed them all I have is a XXXX XXXX that mail can be sent to. Eventually in that last conversation I had with them, they suddenly told me that my account was being closed and they would send me a letter informing me of why. I XXXX got upset, cut up the card, and just " gave up ''. The letter they sent me stated that my account was completely closed due to fraudulent activity. When I got back up and tried to make efforts to pay my balance again, my account " didn't exist '' and they couldn't track it using my name or my XXXX for some obscure reason. I then started getting emails warning me of my overdue balance and was able to pay it online through that email. Again, I thought it was over and was willing to just give up the {$2000.00} I had put in my saving to just be done with it. I paid a balance of {$860.00} on XX/XX/XXXX, which is the only receipt I really have thanks to my bank statements. However, now I am getting emails again saying that my balance is now {$1700.00}. I have no idea how that amount accrued as I don't have a card or an account with them anymore as they say. I still have my login info for the online banking program but it doesn't allow me to log in saying that my account doesn't exist. I'm at a complete loss concerning what to do about this whole situation but it's affecting my credit and I've been working really hard to get that up to a good level over the past few years. Any help or advise would be greatly appreciated.
Consumer complaint received 2016-03-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc (CA)

National Commercial Services continues to attempt to extort money that is not owed. They have not, and can not provide any evidence that any money is owed, yet continue trying to collect and have even reported a delinquent debt to the credit agencies. Their client was paid all that was owed. They can not supply any agreement or contract that supports a claim for any payment.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion and XXXX has not completed by dispute correctly. I have XXXX account that shows in the remaks that it was included in bankruptcy. It was not and I even have a letter from that account to reflect it. But they still continue to leave that in the comments or remarks. I do n't know what to do.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KS)

On XXXX XXXX I made a transaction with my cash app on XXXX for {$320.00}. I never ended up receiving the goods in which I purchased. I filed a dispute on th XXXX. And they granted me partial payment on XX/XX/XXXX. Of {$81.00} cause the {$320.00} was split up into XXXX payments. I have called them at least once a week. Cause they said it could could up 45 days for.the dispute to be resolved. But it's been 6 months and the keep telling the same thing. That managers only email and that it is still being under review.
Consumer complaint received 2021-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC (AZ)

Was contacted by mail regarding what was advertised as a personal loan earlier in XXXX, so I decided to contact them about consolidating some of my credit card debt. After going through their application process a sales person contacted me mid XXXX. The sales person wouldnt tell me the APR of the loan I was approved for until I pressed them for it TWICE! They kept talking about the monthly interest rate of 1.7 % before eventually revealing the actual 19.99 % APR. Then, they mentioned that theyd be setting me up as a sole proprietorship so they could get me a business loan to pay off my credit card debt. ( Note that the emails I attached say 14.99 %, but the original rate they quoted was 19.99 %, and the first email shows the emphasis on this mythical monthly interest rate XXXX. 

After I hung up on the XXXX salesperson, a few days later on the XXXX they were magically able to get my interest rate down to 13.99 %, which tells me they were price gouging me, and also they knew I was just going to payoff debt and didnt need $ XXXX, but kept pushing that anyway.