davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DC)

XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Third submission XXXX/XXXX/XXXX I spoke to an Ocwen representative the week of XXXX XXXX and was informed that Ocwen was still working on this inquiry. I was informed that my property was NOT in foreclosure. I received a letter from an attorney that my property was in foreclosure. 

I have been misled again by Ocwen and deceived. I have not had a resolution to a modification request and appeal for over 6 months. Ocwen 1 ) asked me for money for an appraisal that was sent by me but never cashed or returned to address the modification appeal related to the valuation of the home, 2 ) Offered a modification if I had XXXX payment, of which I had/have but never sent paperwork to make the adjustment and modification, 3 ) promised to review the last data I sent them over a month ago and call me with resolution but never has, and 4 ) lost or can not find documents they sent to me that I kept and sent to them directed me what to do with the modification appeal. 

Please investigate. 

To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months. 

As of today, Ocwen reps do not have and have not resolved the original appeal. 

Failed to take into account that I followed instructions. 

Cant find the {$200.00} check I sent for the internal review. 

Has not addressed this letter and the rep does not even know about this letter. 

Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal. 

Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account. 

Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year. 

XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXXXXXXXXXX XXXX This is a partial letter with the full letter to be attached. The focus here is on repeated request for resolution of an appeal made in early XXXX. 

I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen Monday XXXX XXXX, XXXX. 

The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached. 

I do inhabit the home in XXXX. 

Please reset my call with Ocwen and my relationship manager to discuss these items. 

This information is true and accurate to the best of my ability.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OR)

Citibank 'bestbuy ' continues to send me notice of {$150.00} due.

I have never used 'citibank ' card after the purchase of XXXX XXXX ' at Bestbuy, XXXX, Idaho.

Please be advised, I have never used 'citibank ' card # XXXX XXXX XXXX XXXX after the purchase of said XXXX '. 
All use of this card after purchase of 'XXXX  ' at Bestbuy XXXX XXXX , ID. Is unauthorized fraud.

We are very grateful to CFPB for your help in clearing up this matter.

Citibank is welcome to call us at home, XXXX. If further details are needed. 
We live in XXXX, Oregon XXXX XXXX XXXX XXXX XXXX is a land line.
Consumer complaint received 2021-07-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Big City Finance, LLLP (TX)

I have an existing loan with Power Finance. I received an email on XX/XX/2021 stating : Borrow more money today! Need more money? 
Refinance today! You have an additional {$98.00} available to you! 

The email provided a log into my account option. Once there, however, there was no tool to take advantage of the additional funds. I called. The message stated the office was closed for the holiday. 

I received another email today ( XX/XX/2021 ) stating : Borrow more money today! Need more money? 
Refinance today! You have an additional {$74.00} available to you! 

Again, the email provided a log into my account again ; and again, there was no tool to take advantage of the additional funds. I called. The message stated the office was closed for the holiday. 

So, there were two offers, but no tool available to take advantage of the offer and the telephone message stated the office was closed for the holiday. 

I went ahead and reapplied for a {$100.00} loan and was approved. The problem with taking this step is that my bi-weekly payment is now increased from what it was. If the online option had been available as was implied, my payment would not have increased since it was a simple increase to the loan 's bottomline based on the amount I had already paid off.
Consumer complaint received 2019-05-20
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: ALLY FINANCIAL INC. (CA)

three inaccurate and fraud accounts have bee reporting under my XXXX credit reports, these i have been disputing them for the longest times, ally fin i never had any accounts with them XXXX XXXX, i have XXXX and as it appears this is a fraud collection agency, so as you can see these accounts are total inaccurate and fraud accounts under my name, please help me to remove these inaccuracies from my XXXX credit reports only., than k you for your cooperation
Consumer complaint received 2022-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

PYOD LLC is listed on my credit report as the business that is certifying that I owe a debt to XXXX XXXX XXXX. However, I requested documentation as to the validity of the debt on or about XX/XX/2020, to which the company did not respond. I then disputed the debt requesting validity of a debt owed to PYOD LLC and that XXXX XXXX XXXX had my signature permitting the debt to be sold to or transferred to PYOD LLC. This was done through all three ( 3 ) credit bureaus but I have not received a response despite several requests for proof of the validity of the debt and proof.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX is reporting I owe them a balance, although they have yet to present a contract or any written documentation identifying terms or agreement that I agreed to. The business was with XXXX XXXX., but my report says XXXX XXXX. Makes no sense. How and where do you charge interest on a rent, this is not a mortgage and WHAT is the interest rate?? Nothing of this sort has been provided to me whatsoever. I want XXXX XXXX off my credit report, they are reporting to XXXX and Experian. If they can not provide written documentation with terms and conditions, explanation of interest being charged and why. Please remove. Help
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX  XXXX is selling deceptive information to XXXX and Experian to damage my consumer report. Under FCRA each company is required to send me a notice to dispute this information before it was added to my consumer report. This means this debt could not have been properly validated because I received no information from either company to dispute this debt before it was added to my consumer report. XXXX XXXX did not receive any authorization from any court to collect this debt.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX {$1800.00} Open balance, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX {$1800.00} Open balance, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report that is causing confusion with my identity and mailing address. 

To put an end to the misconception my name is XXXX XXXX XXXX there should be no other spellings or variations of my name on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my report because these would be considered non mailing addresses and would cause a delay in me receiving my mail which is a federal crime. 

The credit bureaus are required to report 100 % accuracy are face penalties for each inaccuracy.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CO)

Our prior insurance company non-renewed our policy, so we had to pay for our homeowners insurance out of pocket. We requested reimbursement from Arvest Central Mortgage onXX/XX/XXXX, and againXX/XX/XXXX and never received a response.
We called in XXXX and again requested reimbursement from our escrow account. We were then told they needed to do an escrow analysis. We requested an escrow analysis during that phone call. We called and spoke with customer service today XX/XX/XXXX and they still have not completed an escrow analysis. We again requested the escrow analysis XX/XX/XXXX.
Consumer complaint received 2017-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Wired {$15000.00} to  Coinbase  on  XXXX / XXXX /   2017  for use on their  XXXX  digital currency exchange. Wire transfer was processed next day from my bank checking account, details show in my account. I had previously transferred {$5000.00} to Coinbase from the same account with no issues.     Funds were transferred to : Recipient Na me Coinbase, Inc  Recipient Address  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   XXXX , CA  XXXX  Bank  Name    XXXX   XXXX   XXXX   Bank  Address   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  Routing/ABA Number  XXXX  Account Number  XXXX  ( additional identifier for my consumer account was added in the 'instructions ' field ) Coinbase states on their website : " Bank wire transfers may be credited to your   XXXX   account on the same day if submitted by  XXXX  PT. Otherwise, funds will be available after  one  business day. '' As of  XXXX , funds from this wire transfer are not available in my account.     I have attempted to contact  Coinbase  customer support through their online support system, by email and  XXXX  direct message since  XXXX . No other channels for contact are available. Company has not responded or provided any information on the missing funds . Case ID  in company 's helpdesk system is  XXXX .
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

All XXXX credit agency 's have my persons information. The home address they are reporting I have n't lived at in over 15 years, and the employers are the same. I need all my information corrected. I did advise XXXX to correct my information and they never made the changes.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

Hello - I am one of the people who has had my Equifax consumer credit info compromised. I recently ( XXXX/XXXX/XXXX ) contacted Equifax to put a freeze on my credit, in response to their hack & failure to protect my confidential info. I was told by the representative that I would FIRST have to sign up for their TrustedID credit monitoring service before I could freeze my credit. I had identified myself as one of the breach victims. I let the representative know that 1 ) I had no intention of signing up for TrustedID as it would require me to give up any legal remedies ( and is not free after 1 year ) and 2 ) I knew his statement was factually, and legally, incorrect. He reiterated that I first had to sign up for TrustedID, so I asked to speak to a supervisor. After being placed in hold for a few minutes, the same representative returned ( not a supervisor ) and he said that I did n't have to sign up for TrustedID after all, and he gave me the URL for the website so I could do it online. I am convinced that if I had been a less educated consumer, I would have been forced to join their for-profit credit monitoring service and also forced to give up any legal remedies regarding the damage to my credit confidentiality. There is no doubt in my mind that people who call into Equifax to freeze their credit are being mislead and fraudulently required to sign up for their TrustedID " service ''. Note : I also placed freezes with XXXX XXXX XXXX ; neither company required me to sign up for credit monitoring or even suggested it.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX, I mailed to Equifax via USPS certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX # XXXX and XXXX and notification of identity theft accounts Social Security Admin # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. The identity theft report also included inquiries. 
The documents were delivered to XXXX on XXXX XXXX, 2017, in XXXX, Ga. 

To date, I have not received any information related to the above information and report.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

MY MORTAGE LENDER IS NEWREZ LLC. MY MONTLHY MORTGAGE PAYMENTS INCLUDE AN ESCROW ACCOUNT WHICH COVERS HOMEOWNER 'S INSURANCE AND PROPERTY TAX. NEWREZ COLLECTED MONLTHY PAYMENTS, BUT NEGLECTED TO PAY MY HOMEWONER 'S INSURANCE THUS MY POLICY HAS BEEN CANCELLED. NEWREZ HAS NOW FORCED ME TO UTILIZE THEIR INSURANCE PROVIDER WHICH IS THREE TIMES THE AMOUNT I WAS PAYING PREVIOUSLY. I FEEL THAT NEWREZ INTENTIONALLY NEGLECTED TO PAY MY INSURANCE PREMIUM SO THAT THEY COULD PROFIT FROM A HIGHER RATE, KNOWING THAT IT IS NOW VERY DIFFICULT TO BE INSURED IN CALIFORNIA. ON XX/XX/2024, I SPOKE WITH A NEWREZ REPRESENTATIVE BY THE NAME OF XXXX WHO INITIALLY TOLD ME THE PREMIUM WAS NOT PAID BECAUE THEY DID NOT RECEIVE A BILL. AFTER FURTHER INVESTIGATION, XXXX FOUND THAT THE INSURANCE COMPANY HAD IN FACT SENT A BILL, BUT IT WAS NOT PAID. XXXX REACHED OUT TO MY INSURER BUT THEY STATED THEY DID NOT WISH TO RENEW. I AM NOW HURT FINANCIALLY BECAUSE OF NEWREZ 'S NEGLECT.
Consumer complaint received 2017-10-05
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: PENTAGON FEDERAL CREDIT UNION (TX)

Some of the credit inquires on my report were not authorized. I have been in contact with the companies and credit reporting agencies regarding this matter. Credit reporting agencies told me to contact companies and the companies told me to contact credit reporting agencies.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

On XXXX/XXXX/XXXX I was approved for a XXXX XXXX XXXX XXXX. On a conversation over the phone with a XXXX representative I was told I would NOT have to make any payments on this account for one year, until XXXX XXXX XXXX I 'm not sure why XXXX XXXX, rather than XXXX XXXX XXXX. That is also what all marketing for the card indicated, and it is why I signed up for the card. The phone call I made was to confirm this information. 

I was able to transfer a balance from a XXXX XXXX credit card of XXXX to the XXXX and I made some purchases. 

Within the last week, the final week of XXXX XXXX, I checked my credit score and was shocked to see that I had a series of missed payments for the XXXX and my credit score had tanked. I called XXXX and was informed that I was supposed to be making a payment each month, contrary to what I was told when I signed up for the card, and the marketing advertising the card. 

I immediately paid my " missed payments '' in full. XXXX was willing to admit fault on their part to the extent that they refunded all late fees but they said they were unwilling to remove the negative marks on my credit report. 

This is seriously affecting my future and I feel I was intentionally misled by XXXX. I 've talked to a total of four different XXXX representatives, during the last week of XXXX XXXX and the first week of XXXX XXXX, and none have been willing to help me remove the negative marks from my credit score.
Consumer complaint received 2018-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (CA)

Hello, on XX/XX/2016 I called Avant to pay off my account the person who help quoted me {$1900.00} to pay off my account that same day I made payment after she quoted me the payoff to closed acct. I been in the finance industry for over 10 years and i know when i get a call from a customer asking for a payoff we quote them an amount for that day to closed the acct. and end story. well Avant gave me the payoff and XX/XX/2016 i made payment and the next day they went ahead and deducted the monthly payment of {$190.00} the next following day XX/XX/2016 which I put a stop payment because i already had made a payoff on XX/XX/2016 they even sent me a letter saying after i had made the payoff amount of {$1900.00} my acct was XXXX balance. well Avant has been harassing me saying that I owe them now almost {$1000.00} and I totally disagree. they reported to my credit as my acct being on default. they claim that the payoff they gave me didn't include that payment that was due the next fallowing date. how is this even right? when you ask for a payoff to closed acct all fees and payments need to be included. 

I hope you can assist with this matter. 

Thanks
Consumer complaint received 2021-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I paid a contractor by the name of XXXX XXXX a duplicate payment of {$3600.00} via XXXX on XX/XX/2020 in which I asked my credit card company to refund the duplicate payment. I provided proof of the paid invoice signed by both myself and the contractor. I also provided a copy of the email he sent in which he requested for a refund to be made to me as he confirmed I didn't have a balance outstanding. Instead of refunding a refund, Capital One provided a chargeback and has since been charging me interest on a balance I didn't owe. I have spoke with both XXXX and Capital One to get the issue resolved. At this point XXXX said they are willing to refund me my money once Capital One reverses the chargeback that occurred in XXXX of XXXX and provide proof other than my billing statement to show where the money was returned back to XXXX. XXXX has taken the position that they are yet to receive or be able to track the money that was supposed to be sent back to them and are awaiting proof of the funds that were supposedly send to XXXX from Capital One.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I WAS INVOLVED IN HURRICANE BACK IN 2012 AND MY HOME INSURANCE COMPANY SENT OUT A CHECK FOR {$5500.00} FOR REPAIRS TO MY HOME AND PUT CHASE BANK-EMC AND MY NAME ON THE CHECK DUE TO THE HOME LOAN I HAD WITH YOUR COMPANY. I HAD TO GET CHASE BANK EMC TO SIGN THE CHECK IN ORDER FOR ME TO CASH IT SO I SIGN THE CHECK MAILED IT TO CHASE BANK EMC AND THE COMPANY KEPT THE CHECK AND NOW I AM SEEKING A FULL REIMBURSEMENT FOR THE CHECK.
Consumer complaint received 2017-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Some of the credit inquires on my report were not authorized. I have been in contact with the companies and credit reporting agencies regarding this matter. Credit reporting agencies told me to contact companies and the companies told me to contact credit reporting agencies.