davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

On XX/XX/XXXX I got notification that my loan servicing got transferred from " XXXX XXXX XXXX '' ( XXXX XXXX XXXX  ) to TCF Bank ( XXXXXXXX XXXX XXXX  ) Up until today - XX/XX/2021 - I haven't received any communication from TCF Bank about my new servicing account XXXX 

I've called TCF bank 2 times, on around XX/XX/2021 and on XXXX of XX/XX/2021. TCF bank representative mentioned that they have nothing on my name, ssn or account. 

Then, on XXXX of XX/XX/2021 I've called to XXXX customer service. 

They told me that my loan was transferred not to TCF bank, but to XXXX XXXX ( XXXX XXXX XXXX ) Due to some sort of error, XXXX  did not send me any information on this new transfer. Over the phone they gave me a phone number to call XXXX XXXX company - which I've attempted to use but no-one answered. 



I also haven't gotten any mail, phone or email correspondence from XXXX XXXX. XXXX also did not send me any correspondence regarding new service being XXXX XXXX and I found that information on XX/XX/2021 when I called XXXX and escalated my issue. 

At this time, I don't know who is servicing my loan. XXXX also refused to confirm if my information was actually transferred to either of the new servicing companies.
Consumer complaint received 2021-09-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC. (AZ)

Violation of XXXX Timely escrow payments and treatment of escrow account balances.

Loan fully paid on XX/XX/2021. Balance in escrow still has not been paid out timely. They are in violation of the 20 business days. 

Funds have not been received.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I successfully wired {$12000.00} USD to Coinbase. Today is XX/XX/XXXX and they have yet to credit my account or return the money.
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (FL)

MONTEREY FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX They got me joined with a woman called XXXX XXXX i didn't signed nor aproved to be joined in her debt. I'm single, not married, not with her don't aproved to be in this debt its not mine and im not supposed to be part.
Consumer complaint received 2023-12-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

We purchased furniture from Rooms to Go using their no interest card card. We made our first payment in XXXX and continued to make monthly payments each month when we paid all our bills from our monthly income check which usually arrived on the XXXX of the month. Our second payment was made on XXXXXXXX XXXX Synchrony determined that we had made our payment too early and credited it not as a regular monthly payment but as a balance reduction. So, when we made our XXXX payment on XX/XX/XXXX, they credited it as our XXXX payment after the due date and applied it as a late payment. We became aware of the issue in XXXX when we received an email telling us we had a late fee. After speaking to a representative she asked us to make an additional payment and change our scheduled payment date to later in the month and she would remove the late fee and all would be reset. We made the extra payment and nothing ever changed. We have made dozens of phone calls to their customer service office and their staff could see and understand the problem but did not have authority to fix it. Our calls as well as our emails to the corporate office always went to voicemail and we're never returned. Our frustration is through the roof. Please help us resolve this. Thank you XXXX and XXXX XXXX We are unable to attach any significant documents at this time but can provide them in further communications
Consumer complaint received 2020-07-14
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: SYNCHRONY FINANCIAL (NJ)

Your above referenced account ending in XXXX was closed and a new account number ending in XXXX was created for security reasons CLOSE THAT ACCOUNT OUT PLEASE HELLO Subject : CFPB Case XXXX Synchrony XXXX  Credit Card Account Number Ending in XXXX Dear XXXX XXXX : On behalf of Synchrony Bank, I am responding to your concerns raised through the Consumer Financial Protection Bureau ( CFPB ). I appreciate you bringing this matter to my attention. I attempted to call you on XX/XX/2020 in order to discuss your concerns ; however, I was unable to reach you. 
On XX/XX/2020, we opened a fraud claim and referred the case to our Fraud Department for investigation. 
Your above referenced account ending in XXXX was closed and a new account number ending in XXXX was created for security reasons. Our investigation concluded on XX/XX/2020, with the fraud claim resolved in your favor. The enclosed letter was mailed to you on the same date explaining the outcome of the fraud claim investigation. Additionally, the credit bureaus were notified to delete any derogatory information pertaining to the fraudulent transactions from your credit bureau report. Please allow up to 60 days for the credit bureau to update. 
Synchrony Bank takes fraud seriously and we certainly regret any inconvenience you have experienced. 
We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have  experienced regarding this account Thank you for the opportunity to respond to your concerns raised through the CFPB. If you have additional questions regarding this matter, contact me at XXXX XXXX XXXX XXXX, extension XXXX. I welcome the opportunity to assist you.
Consumer complaint received 2020-07-14
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. (LA)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX-DSP-XXXX-VER-XXXX {$0.00}
Consumer complaint received 2020-10-11
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: Resurgent Capital Services L.P. (SC)

Looking through my report and noticed there are some accounts that don't belong to me. This is an act of fraud and the following accounts need to be removed from my credit report. 
XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX LVNV FUNDING LLC # XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

This company has been contacting me for YEARS. I live in NC and I've asked them not to call me ( I have received calls before XXXX and calls at exactly XXXX OFTEN! I have disputed this debt REPEATEDLY! At this point, its passed the statute of limitations in NC if it was truly my debt, so I would like them to STOP harrassing me non-stop.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (TX)

The credit reporting agencies XXXX  and Experian has not sent me Validation for account on my report XXXX  XXXX XXXX XXXX Account # XXXX. On XXXX XXXX I sent out a letter for Validation of a account XXXX  XXXX XXXX XXXX on my credit report. One XX/XX/2020 i send out a letter for validation in which they have 15 days to respond showing me how the account was Validated. On XX/XX/2020 i sent out a method of validation follow up with the bureaus and this account remains on my report and i have not received validation. XXXX  could not validate the account and they have removed it from my credit report.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED BANKSHARES, INC. (MD)

Well before I signed an intent to proceed, or was even able to review the initial disclosures, I was charged a mortgage appraisal fee in the amount of $ XXXX.The fee was charged on XX/XX/2020. The initial disclosures were made available through George Mason Mortgage 's intranet and I was not granted access to view these documents until XX/XX/2020. I did not sign an intent to proceed until XX/XX/2020. This was all done despite my proclamations that I was still reviewing mortgage lenders and had not decided to proceed with George Mason. I was assured that my card would not be charged. I was also mislead about the interest rate offered by George Mason.  I believe George Mason charged me the appraisal fee before I signed an intent to proceed in order to lock me in with them. George Mason deceived me and acted unethically throughout the entire process.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I mailed Transunion a certified letter disputing the accuracy of the bankruptcy on my Transunion credit report. I received Transunion 's dispute result, file # XXXX datedXX/XX/XXXX, which stated the following : Page 1 of 5 states - " In the pages that follow you will see your detailed investigation results, including the business name and contact details of the source of the information. '' Page 4 of 5 states - " Ohio Federal Court -  XXXX '' along with their docket #, address and phone number. On XX/XX/XXXX at approximately XXXX XXXX I called Transunion to ask if they contacted the court directly to verify the bankruptcy information. XXXX XXXX was who I spoke with and she stated that Transunion verified with the court. This is a FALSE investigation because I have an official letter from that U.S Federal Court stating " Please be advised that the Clerk 's Office does not report any information to the credit reporting agencies. '' Transunion did NOT contact the court as they stated in the dispute result and I am asking that the bankruptcy be removed from my Transunion credit report due to the dishonest investigation done during this dispute. I have attached the Transunion dispute result and the letter from the U.S. court.
Consumer complaint received 2020-10-11
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. (OH)

Dipsute involves 7 disputes was not authroized and needs to be removed. I have attempted to resolve issue with reporting agency, but have gotten no where. Attached will be the list of inquries that needs to be removed. The reporting company was also contacted
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (NY)

The, below, is a copy of the letter previously sent to Chrysler Capital, with all personal information deleted, explains the situation. 

Good morning : My name is -- - and I was a very good customer of Chrysler Capital when I bought my son, a car on XX/XX/2015. " XXXX '' got his car because we honored our word that if he worked hard to get good grades in high school, we would get him a car. XXXX kept his word and so did we. 

When we bought " Son 's '' car from XXXX in XXXX, MI iXXXX XXXX, we signed a contract with XXXX and gave our word that we would make timely payments on the car over a certain period, and for doing so, we would get to keep the car and obtain a great credit report from Chrysler Capital. We kept our word, never failing. 

At the same time, we bought " XXXX '' car, we bought GAP insurance. Under the control of XXXX, our salesman, the GAP Insurer, chosen by XXXX, was XXXX, ( See Exh. # 1 ). We had no idea of the abject HORRIBLE reputation XXXX had for NOT keeping its word to protect its customers interests. ( See Exh. # 2 ). Before paying our claim, XXXX gave us the same deplorable run around experience they, seemingly, gave all their other customers. 

Unfortunately, my son totaled his car on a snow-covered road sometime thereafter. Thank XXXX he was unhurt. When that happened, we expected XXXX to honor its word to pay the GAP insurance on a timely basis. XXXX, did NOT honor its word, lost information and asked us for the same information multiple times. 

As a result of XXXX terrible record of paying claims I received a very bad credit report from Chrysler Capital. Despite my continued calls and communications with Chrysler Capital that XXXX was using every possible delay NOT pay my claim, Chrysler Capital reported me 90 days late and a Charge-off. The GAP insurance was eventually paid by XXXX but the damage to my credit was already done. This has bothered me for the last two years. I kept my word and was damaged despite having no control over the outcome by a GAP insurer chosen by XXXX. 

I do understand I have arbitration rights ; however, I am asking Chrysler Capital to do what I believe is right. I was a customer that was NEVER late with a payment because my credit is important to me. PLEASE consider removing all deleterious information from my account. 

If you would like to contact me, my email address is XXXX and my cell number is -- - The VIN associated with this account is -- -- and the last four of my SS # are -- -. Thank you. 

Sincerely,
Consumer complaint received 2022-08-11
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. (MD)

To whom it may concern, I am writing to request information about the multiple accounts XXXX XXXX XXXX on which is reporting on all three credit bureaus XXXX, EQUIFAX, XXXX credit report in which you continuously state verified but continually refuse to show evidence. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding these accounts, including the original contract with my signature and the credit application.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (TX)

XXXX XXXX XXXX  On XX/XX/XXXX Xoom XXXX transaction XXXX  was initiated at XXXX. The funds from my bank account were taken within 30 sec of starting the transaction. During the setup Xoom XXXX stated the funds would be credited to recipient account in 3 minutes. 
It was noticed that the transaction status remained unchanged till XXXX XXXX  so I decided to cancel it. 
It was a typical case of misspelling the services and misleading the client. The transaction was in freeze mode for almost 5 hours with no update from Xoom XXXX. When it was reported to customer services, they failed to provide a satisfactory reply. 
It was unacceptable that though Xoom XXXX debited customer account immediately but failed to complete the transaction within stipulated 3 mins. Further customer service didnt follow the SOP of informing the client when transaction for any reason was not completed. 
Xoom XXXX commits to complete funds transfer in 3 mins but when it fails, it doesnt inform the sender about it thus keeping customer 's funds for long and no explnation given to client.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (WA)

I have around XXXX in student loans. Nelnet was my student loan servicer prior to XX/XX/XXXX. I enrolled in PSLF and my loans were moved over to XXXX in XX/XX/XXXX. For 11 months now, XXXX has reported on my credit report that I have twice the amount of student loans as I actually have, over XXXX, because they show the total amount of my student loans reported by Nelnet, and also the total amount of my student loans reported by XXXX. I filed a dispute with XXXX in XXXX, XXXX about the Nelnet reporting of the loans. XXXX closed the dispute after contacting Nelnet, but no changes were made, and XXXX still reports me as having more than XXXX in student loans. I contacted Nelnet, who told me that I owed them XXXX dollars and that my account was closed and that I needed to reach out to XXXX to resolve the doubled reporting of the student loans on my credit report. I reached out to XXXX in XXXX, who told me that they would update my credit report. As of today, my credit report shows that XXXX updated XXXX with my student loan balance of around XXXX as of XX/XX/XXXX, but my student loans are still being reported by both XXXX and Nelnet on my credit report, totaling just over XXXX. 


At this point, I do not know if XXXX or Nelnet is the entity that needs to update their reporting.
Consumer complaint received 2021-04-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-07-14
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2020, at XXXX XXXX, I went to a local XXXX Bank of America ATM to withdraw {$200.00} from my prepaid XXXX  card. The ATM disbursed only {$160.00}. I went immediately inside the bank, and was told to contact the bank. I contacted Bank of America and they said that because this is a prepaid card, they can not help me. I would like a difference of {$40.00}. Please see receipt from the ATM attached. I would think that if the ATM looks at the transaction number and the ledger from the day, it would notice this discrepancy.
Consumer complaint received 2018-01-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

I had my student loans via XXXX, then they were bought out by Navient. I started out with a total of about {$28000.00} total after graduation in XXXX. I had a hard time finding a job, so they advised to put it into forbearance without advising me of the interest that would accrue. This happened on a number of occasions. Summer of XXXX, my loan came due and the least they would make my payment was over {$400.00}. I could not afford to pay that much, so they approved me for a {$0.00} payment. AGAIN, they did not tell me interest would continue to accrue. I am now almost in the hole for double the amount I originally had borrowed. These people are crooked and will not help your situation.
Consumer complaint received 2018-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

InXX/XX/XXXX I completed a refinancing loan with XXXX XXXX XXXX. In XX/XX/XXXX Ocwen took over servicing of the loan. At the time the mortgage was signed, escrow payments had been computed through XX/XX/XXXX which included payment of insurance and taxes. In XX/XX/XXXX, Ocwen wrongly purchased force placed hazard insurance. This is my second complaint with CFPB ( first filed in XX/XX/XXXX after first trial ). After I won a defense judgment in XX/XX/XXXX, a few days later Ocwen began completing Escrow Analysis. The escrow analysis and deletion of escrow analysis lasted approximately 2 1/2 years and included approximately 8 escrow analysis. After the final running of the escrow analysis a new statement was run inXX/XX/XXXX that deleted several costs including the force placed insurance. The above information regarding escrow analysis ( which included an entry that default trigger on hold for escrow analysis ) was produced in current foreclosure filed in XX/XX/XXXX. The Ocwen log is highly redacted with very deficient privilege log. I would like to receive a copy of the unredacted Ocwen log on my account. Also Ocwen has produced 2 very conflicting account histories. The one produced in XX/XX/XXXXtrial does not show my payments late from the very beginning of the loan. The most recent payment history produced in XX/XX/XXXXshows me late on payments from the very start of the loan. Filed motion to strike their pleadings for fraud on the court regarding the conflicting payment histories, inaccurate BPO to base value of home for mediation, and that they claim to have filed an original note. Certified copies of note from the 2 court files indicates otherwise.