davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

I have tried feverishly to maintain my current loan. I have tried bankruptcy, loan modifications, and  NACA. I a m at my wits end. My original loan amount was {$130000.00}. Due to late fees, missed payments and the company 's unwillingness to lower my interest rate from  8.25 and a monthly mpi of {$800.00} I can not afford to keep my home. My problem s began in   XXXX   and since then no one I mean no one has been able or willing to give or find an affordable solution.
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: The CBE Group, Inc. (GA)

i had a debt with XXXX that was turned to a collection agency The CBE Group, when I made contact the advised that if I set up payment arrangements they would not report to credit bureau, I set up payment arrangements and the deductions are being taken at XXXX and the final payment on XX/XX/XXXX. On XX/XX/XXXX they repoted the debt to the credit bureau after it was clearly advsd that this would not happen. I have been allowing them to deduct electonically from my bank account. When I asked why they did this the stated that the bill was to be paid by XX/XX/XXXX which no one advsd me of. This is not the agreement that we came to and now they are refusing to remove this from my credit.
Consumer complaint received 2016-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NJ)

I attended XXXX XXXX XXXX in 2005 to study the XXXX program and I have been over charged for this program they charge my student loan triple the amount for this course. I have been trying to pay for this loan for the past 10 years.
Consumer complaint received 2015-04-07
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (NJ)

repeated calls to my cell phone from XXXX XXXX XXXX XXXX. 
they said they were Wells Fargo Home Mortgageand asked to speak to someone I never heard of. 
Told them wrong number on XXXX/XXXX/15. Calls continue every few days. 
Same number called on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Over {$7000.00} of fraudulent purchases were applied to my account. 
The purchases were with XXXX merchant, XXXX XXXX House. They are a mail order DVD service. I have never done business with XXXX XXXX House. 
I submitted all the information Bank of America required to file a claim. 
Bank of America has not credited my account. 
Worse, it is impossible to reach their Fraudulent Services department. They provide a phone number to contact them, but I have to wait hours on hold before anyone will answer the phone. When I get a representative, they tell me a supervisor is required. I am then put on hold for hours again. It seems if the system is intentionally designed to discourage and prevent cardholders from resolving fraud claims.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I HAVE ATTEMPTED TO RECTIFY THE ISSUE WITH EXPERIAN. THEY ARE CURRENTLY REPORTING FALSE, INACCURATE, AND UNVERIFIABLE INFORMATION REGARDING A NEGATIVE ACCOUNT WITH XXXX XXXX. AS A MATTER OF FACT, XXXX  AND XXXX WAS ABLE TO GET THE ACCOUNT REMOVED. I HAVE ATTEMPTED TO RESOLVE THIS ISSUE WITH THEM ON MORE THAN SEVERAL OCCASIONS, AND NO ACTION HAS TAKEN PLACE REGARDING THIS MATTER AND IT IS VERY CONCERNING TO ME. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY, I GREATLY APPRECIATE IT.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I applied for a loan modification about XXXX4 months ago and after going back and forth with the loan servicer penny mac i received a trial loan mod in the mail, so after reviewing it i asked penny mac to explain the calculations in determining the rate and payments on the loan modifications, but i decided to ask a third party loan modification auditor to review the information and they discovered some mis calculation on the file and there recommendation was for me to appeal the trial loan mod, so i contacted penny mac and rejected there offer and about 2 weeks later i received a sale date on my front door, which is out of compliance with the XXXX guided lines it clearly states that have the right not to accept the servicer loan mod offer or i can appeal it, loan servicer can not just expect me to take what there offering or leave it, if its not an affordable loan payment
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

The mortgage servicer Rushmore Loan Management Services , LLC made verbal and written promises to provide mortgage assistance. 

Rushmore Loan Management Services , LLC was made aware financial hardship that I experienced with COVID-19. My income significantly decreased for a period, and I was not able to make my regular monthly payments. 

Rushmore Loan Management Services , LLC started a loss mitigation process for me to obtain a loan modification to help lower my monthly mortgage payment and bring my loan current. 

This process was started in XXXX XXXX and I worked with Rushmore Loan Management Services , LLC for several weeks providing document after document to only be informed on XX/XX/XXXX, that my file was abruptly closed and a sale date for XX/XX/XXXX, was entered into the system. Rushmore Loan Management Services , LLC would no longer assist me in any efforts to prevent foreclosure and I was not provided with any complete review for mortgage assistance programs. 

The actions of Rushmore Loan Management Services , LLC are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j1024.41 ) ; The Consumer Financial Protection Bureau XXXX which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XXXX XXXX XXXX Among other things, the rules restrict dual tracking. 

Rushmore Loan Management Services , LLC has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act which I have detailed in a Qualified Written Response dated XX/XX/XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit 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: CITIBANK, N.A. (GA)

On XX/XX/2023, I signed up for XXXX XXXX XXXX, XXXX ( a service NOT a good ). While on the phone with XXXX, the sales XXXX XXXXXXXX, stated on the recorded XXXX call and via email that I would be subject to a money-back guarantee if I did not earn XXXX in income while in the program if I completed all tasks required. Per my XXXX XXXX XXXX, XXXX contract as stated in section 1 : SERVICES, which is attached and highlighted ( XXXX XXXXXXXX GUARANTEE : *Company guarantees that Client will generate at least {$15000.00} in total gross revenue while inside this Program ). I have done everything my contract has required and beyond, and I have not reached XXXX in revenue to date and would like/ask that the money-back guarantee be enforced. Again, this is a service and not a good one. All information about the money-back guarantee is located on pages XXXX ; I have highlighted that information. I have attached all other proofs in the previous claim. Please let me know if you need that info again, and I will gladly resend it. The rep on the phone just advised me to send the contract and highlight the money-back guarantee portion. According to the FTC, this fraud is considered fraudulent/deceptive business practices, and the charge should be treated as fraud. I have reported this to the FTC and XXXX
Consumer complaint received 2017-04-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

the told me to sign a piece of paper, that i did not read, because it was not in laymen terms.It would have taken me hours to read  it.She  told me it was to be used to ONLY check my credit report in case i needed a loan..I found out later it was for a credit card, that if i knew, would have never gotten it.I got it in the mail a couple of days later and within minutes cancelled it.In doing so, my fico score dropped from  XXXX  to  XXXX .Just because i was lied to, and trusted them.The only thing i asked was to take the cancel off of my credit report to get my points back.They refused!
Consumer complaint received 2016-02-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (MA)

I obtained the loan for {$5000.00} on XXXX XXXX XXXX. They added a {$75.00} fee to the total of the loan resulting in financing {$5000.00}. I paid {$250.00}. Monthly for 12 months ( {$3000.00} ) on or about XXXX XXXX XXXX I paid the loan off at approximately {$5000.00}. As it turns out this was a 120 month loan. Had I taken it to term I would 've paid {$30000.00} total to borrow {$5000.00}. 
Long story short .... I paid {$3000.00} in payments, my total payoff on the loan was more than I borrowed.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

A few weeks I applied for Capital One Quicksilver with introductory 0 % APR for XXXX year. Upon receiving the credit card, I simultaneously received a letter from Capital One 's fraud department. After calling the fraud department I was informed that I must deliver a copy of My Driver 's License, Signed Social Security number and proof of residence. After providing all the information with a copy of my mortgage statement. 

After providing that information I was called back from the fraud department again informing that I the copy of mortgage statement was not valid for proof of residence. The fraud case manager informed me that a copy of my bank statement would validate proof of residence. After submitting all this highly sensitive information twice to Capital One I heard nothing from them for over a week, so I decided to contact Capital One again. After calling the Fraud department they informed me this time that they were trying to contact my bank XXXX to validate my bank statement, but the bank would not do so. I told her that no bank would give a 3rd party information without some written authorization from the customer. After this I demanded to speak to a supervisor who told me that now a Utility bill would sacrifice for proof of residence and that a Utility company might validate my address with a 3rd party like Capital One. My last communication was providing a copy of XXXX XXXX  Power bill to their secure document upload website.

My main reason for this complaint is I believe Capital One is engaging in bait and switch tactics with customers who don't run balances. I had this same incident happen to me beforehand when applying for a Capital One card with a promotion rate and bonus. I was previously a customer with them for years and I have lived at the same address for 7 years so all this address verification is absurd since its the same address that I had when I was a customer with them. After looking at forums it seems other people are experiencing the same issue and it seems the common denominator is they are customers who don't run balances. Also in the process applying twice now Ive taken a inquiry hit on my credit report for a credit cards that they approve then try to take back after they realize that wont make money off you with interest charges.
Consumer complaint received 2016-04-29
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Regarding XXXX payment processing, CapitalOne has a business practice, which I believe is unethical and should be illegal. I have a PDF file ( attached ) with date/time stamp from my CapitalOne on-line account records to substantiate my complaint. Specifically, when I log into the CapitalOne website to pay my credit card 's monthly bill, their website states that I must make the payment before XXXX. in order for the payment to be posted on the same day ( It used to be XXXX XXXX EST a few years ago ). Currently, this payment cut-off deadline, at XXXX XXXX is four hours before XXXX on the due-date. If a card holder ( like me ) makes a payment ON THE DUE DATE, but between XXXX and XXXX, CapitalOne sets the posting date for the following day and counts the payment as a late payment, charges a late fee, and then use this event as XXXX of XXXX allowable late payment events per year to justify raising the APR rate - significantly. This happens even when payments are made on the due date before midnight within the same timezone as the billing address ( EST in my case ). I suspect that Capital One and other card issuers are using this tactic to collect fees they do not earn and to justify raising APR rates. This practice should be illegal and must be stopped. The correct processing is that all on-line payments scheduled by XXXX XXXX of the due date, should be posted as paid on the due date and accepted as an on-time payment.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

fraudulent inquiries/ XXXX XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank Delaware XX/XX/<YYYY> XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/2015XXXX XX/XX/2015.
Consumer complaint received 2021-01-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/XXXX XXXX I sent 3 dispute letters 1 to XXXX in XXXX GA 1 to XXXX XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair credit reporting act.
Consumer complaint received 2016-05-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I have been receiving harassing phone calls at my workplace from a XXXX XXXX at Navient. He has also threatened wage garnishment, even though Navient has no ability to garnish my wages without first sending my account to an attorney collection firm and then taking me to court and then winning a judgment, and then executing the judgment. 

I would like him to stop calling my workplace and stop making threats. I am trying to save up enough to make payments again on my loan but I do n't think I should be threatened or receive calls to my workplace. If he continues calling my workplace then I may be fired and will never be able to pay back this loan. 

My account number is XXXX. My home address is XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX. 

This account is under my previous name, XXXX XXXX. I have recently changed my name to XXXX. The balance on the account is {$38000.00}.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

Someone opened several credit cards under my name. XXXX XXXX appeared twice on my credit report. I disputed the items and XXXX XXXX sent a letter indicating they removed the items from my credit report. 2 weeks later I received a letter from XXXX XXXX stating they sold the account to XXXX XXXX and I would have to follow up with Portfolio Recovery. I called XXXX XXXX and they have been impossible to obtain information, I then submitted the dispute with the credit bureaus and have not received any assistance on removing inaccurate information from my credit report.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of XXXX XXXX number XXXX. Feel free to contact me at XXXX
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MT)

CFPB, I am writing to you with a burning sense of injustice. PayPal is disregarding the law and refusing to return {$3400.00} of my hard-earned money, despite a clear US court order demanding its immediate release. This disregard for consumer rights and financial regulations is unacceptable and demands your immediate intervention. 

Here 's the infuriating reality : A judge issued a court order compelling PayPal to release my funds, yet they continue to hold them captive. This is a direct violation of the law and a betrayal of the trust placed in our financial institutions. 
PayPal 's actions paint a disturbing picture. Are we living in a dictatorship where a corporation operates above the law? This is the United States, and we have a justice system for a reason. 
Compounding this outrage is the location of their limitations department XXXX XXXX. Cultural norms there, unfortunately, can lead to a more relaxed approach to legal compliance, mirroring their current leader 's authoritarian tendencies. 
To add insult to injury, my attempts to resolve this with their disrespectful customer service representatives have been met with indifference. It feels like they'd rather be anywhere but helping customers. 

This is not simply an inconvenience ; it's a financial hardship. My money is being held hostage, uninvested, for no legitimate reason. For two months, PayPal has illegally deprived me of access to my own funds. 

Furthermore, their attempts to smear my name with the CFPB by making baseless accusations are another tactic to delay and confuse the issue. The burden of proof lies with them, and empty accusations only serve to waste time. If they have evidence, let them present it. 

PayPal must be held accountable. 

They need to : Immediately comply with the court order and release my funds in full. 
Be transparent about their reasons for defying the court order and holding my money. 
Face consequences for their illegal actions, including potential damages for the financial hardship caused. 

This issue is bigger than me. It's about protecting all consumers from predatory financial practices and ensuring that corporations operate within the boundaries of the law. 

The CFPB has a vital role to play. Please investigate PayPal 's actions with the full weight of your authority. Let them know that such disregard for the law will not be tolerated. 

XXXX XXXX
Consumer complaint received 2022-02-13
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. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.