davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (CO)

XXXX XXXX XXXX, with an address of XXXX XXXX XXXX XXXX XXXX, Colorado began contacting me on XX/XX/2021 regarding debt that a company I am part of owes, and has been making payments on for 9 months. 
On XX/XX/XXXX, during the first phone call they made to us they were informed that we already had an payment arrangement with American Express, and had paid off more than {$45000.00} of an original {$60000.00} balance in a span of 9 months. 
The gentleman representing himself as a lawyer, stated multiple times that he was a lawyer, that we were lying, and our only option was to work with him. 
He was instructed not to call us again, then we disconnected the line. 
Between XX/XX/XXXX, and Today XX/XX/2021, XXXX XXXX XXXX has called us 17 times that we are aware of. 
Today, we answered the call, essentially had the same dictation that was had during his first phone call. 
Again, We instructed him not to call us anymore, and that we were paying American Express Directly. We also informed him that we would be reporting his harassment. 
We possess a signed agreement from American Express clearly stating our payment arrangement, and have been making payments toward the debt owed long before anyone from this office contacted me.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX, I contacted American Express Delta Skymiles gold card to cancel the credit card that I have never used or never opened. I have other American Express cards but never opened this account. 

On my statement in XX/XX/2020 there was a {$95.00} annual membership fee. I explained the situation to the agent and told her I have never used the card, opened the card and felt like I should not have to pay a XXXX annual fee. She said that she would cancel the card and waive the fee. A few weeks later, I received another statement and the fee was still showing as due. I called again. The second rep told me the card had not been cancelled and did not see any notes about the fee being waived. I requested the card to be cancelled again and the {$95.00} fee waived. This agent said the card would be cancelled and would waive the fee. 

Fast forward to today, XX/XX/XXXX, I received another statement from American Express Delta Skymiles card, with the fee of {$95.00} on it. There is a note on the statement that the account was cancelled at your request. I have not been receiving statements from them since XXXX so I am not sure why am still receiving this bill when I was told twice the fee would be removed/waived. 

When I spoke to the rep on XX/XX/XXXX, she would not waive the fee stating it was outside their 30-day policy. This is not right and should be investigated as a fraud. I never opened the account in the first place, never used the card, and should not have to pay their XXXX annual fee. Can you please investigate this matter as I have tried to resolve on three different occasions?
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.
Consumer complaint received 2021-03-01
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA (IL)

Initially I saw an additional XXXX in student loan debt reporting on my credit report by a parent company whom acquired the loans several years back. When I first inquired about information to consolidate the loans the loans were reporting XXXX owed in total on XXXX, when on my credit report it stated XXXX. I requested more information to open a investigation into the loans by this company since they were not reporting the XXXX additional loans totaling the XXXX in addition which was not being reported to XXXX. The remaining loans that total XXXX I know to be true and valid, however the additional XXXX loans totaling XXXX I challenged the validity of them via the company 's dispute portal. I believed the loans to be potentially duplicates of when these accounts were initially acquired back in XXXX etc. I have since submitted my documentations supporting the facts stated and requested in full including but not limited to, all supporting facts and documents providing the validity of debt. They have since not providing anything besides a XXXX page document providing the signature of a unknown loan because they blacked the loan number references out when they sent the document over. They have replied stating they believe the loans to be true and accurate yet have not submitted the requested information to prove the validity of debt.
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OK)

PayPal - negative {$3300.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$3300.00} XX/XX/XXXX Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3300.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

XXXX XXXX
Consumer complaint received 2024-03-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Fairway Independent Mortgage Corporation (GA)

Fairway mortgage claim that they funded the loan for my mortgage but i later found out that the promissory note / promise to pay note was monetize to cover the cost of the loan .. { under 12 USC 83 A } Which means fairway mortgage never issue one dime towards my mortgage so to prove the facts i asked fairway mortgage to provide a check or bank transfer to show proof of a loan .. Now what the company did was they photo shop a bank statement trying to prove a loan was issue.. So if the promissory note funded the loan under the Uniform commercial code 7 CFR 1951.15 i can request to have the note return back to me .. Also since the promissory note funded the entire loan i would like to have Fairway Mortgage return my down payment of $ XXXX..
Consumer complaint received 2022-09-12
Product: Credit card or prepaid 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. (NC)

I apologize this is a correction regarding compliant XXXX. I accidentally stated my next Citi Cards monthly bill is {$430.00}. The bill is actually {$460.00}. I apologize once again and sorry for the inconvenience.
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC (CA)

I have no idea who these people are. XXXX XXXX XXXX. Repeated computer calls. Asking for my XXXX year old son who hasn't lived here in over 30 years. XXXX XXXX
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland credit company made repeated calls before XXXX and even after XXXX. From XX/XX/XXXX on through XX/XX/XXXX throughout these times. They would call upwards of XXXX times a day. Being very harassing. They did not have and do not have all documentation on this account and could not prove the debt is or does belong to me. I have requested proof of verification of the debt proving it is mine.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FREEDOM FINANCIAL NETWORK (PA)

XXXX is a compant that this company is in diret violation of the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ),. Sometimes around XX/XX/XXXX, Achieve personal loans was placed bac on my credit file after being blocked for identity theft on or around XXXXXXXX XXXX XXXX. I was not notified 5 day prior to this fraudsnt account being reinserted which is a clear violation as I stated aboe..
Consumer complaint received 2022-09-12
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-09-12
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-03-16
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

portfolio recovery assoc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
 Damaging my credit score, getting phone calls
Consumer complaint received 2024-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (NY)

My name is XXXX XXXX I am a retired XXXX who is XXXX XXXX XXXXXXXX and on a fixed income due to major health issues suffering from XXXX  and XXXX and require XXXX  XXXX hours a day to survive. I have owned my home in XXXX, NY for XXXX  years but am facing a foreclosure sale on XX/XX/XXXX by Shellpoint Mortgage. We are in this situation due to health issues and then as we were getting back on our feet we were impacted by XXXX and tried to get Shellpoint to offer us a forbearance or help, but they told us sorry, pay the full past due balance or we cant help. When I began having health issues and retired I used my savings to pay the mortgage as long as I could and I tried several times to get them to work with me. I feel that Shellpoint does not care about their clients and did not allow me to access the programs available to help struggling homeowners with health issues or income loss due to XXXX. We have never been reviewed or considered for any type of homeowner assistance program by Shellpoint. 
Our hardship was resolved over XXXX year ago, but we still find ourselves in no mans land with Shellpoint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I began having health issues in XXXX and was forced to retire. I applied for my XXXX benefits but it took a very long time to get approved. During XXXX and XXXX we liquidated our savings making the mortgage payment to Shellpoint and we hired a third party to help us apply for a loan modification. We began missing payments in XXXX but were trying to be considered for a program to help us. Despite multiple attempts, Shellpoint never reviewed our paperwork or provided any type of modification or program to help us get caught up. Shortly after that I began receiving my monthly XXXX check and we attempted to resume our mortgage payments with Shellpoint but were told we had to pay the full past due balance. We were frustrated but started saving up our money to get back on track with Shellpoint. 

Unfortunately in spring XXXX XXXX hit our area. My wife XXXX works as a XXXX at XXXX XXXX and due to lockdown her hours were cut and our income dropped. Again we called Shellpoint to see if we could get any help since we were struggling due to XXXX but again their agents said there were no programs to help ( I think that is a lie ) and told us the only way to fix this was to come up with the full past due amount. Because of XXXX related income loss the plan to pay back the arrearages would not work. We continued to try and get Shellpoint to work with us or consider us for options and sometimes the agents would say they will send out a package but we never received anything.
Consumer complaint received 2018-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (CT)

There is a lot more but all documentation is in my lawyer 's hands. 
I can sure provide copy and much more details if needed this has been going on for over a year now and at least 6 months since my initial call to the bank. 

Santander has been the subject of other lawsuits. My complaint appears to be similar. I've been paying the loan for over 3 years. Around XX/XX/XXXX strange things started to happen to my account, which I noticed around XX/XX/XXXX. None of ALL the payments I made in that period, went towards the principal of the loan. 100 % of each payment ( around XXXX $ / month ) went towards the interest with the obvious consequence that the payoff amount didn't go down XXXX cent. Countless calls never answered, a proof of a contract requested ( other than the paperwork I have from the car dealer ) was never produced and also my lawyer never received anything. On top of that instead of answering, I received a threat they would repossess my car if I didn't pay XXXX . I agreed to pay XXXX $ and another XXXX next Friday. will this solve? They say my account is still past due which is what they want so payments will only go towards interest. One day they say I'm current and the next I'm past due for XXXX .
Consumer complaint received 2024-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (MD)

We are very frustrated with the way that US Bank has handled the servicing of our mortgage loan. We feel that they sold us a bill of goods by telling us to reach out to them when we were in trouble through their mobile app but even though we did this several times they never responded or offered any type of help. We purchased our home in XX/XX/2023 with an FHA loan through US Bank. At the time I was working XXXX XXXX as a XXXX XXXX XXXX and the co-borrower ( my fiance ) XXXX XXXX was working as a machine operator. About 5 months after moving in XXXX unexpectedly lost his job and it put us in a difficult financial situation. I reached out to US Bank to explain the situation and find out how we could get help because we could not make the XXXX mortgage payment. I was told to go through the US Bank mobile app and that I could enter information about my hardship and situation and that we would receive help. I did this and no one contacted me, there was no offer for help, there was no communication. I went on the mobile app again to submit information regarding our hardship and situation with the understanding this would inform US Bank of what was going on and that they would provide information on programs to help us. Again, we never heard from anyone. This seems like a deceptive tactic, telling homeowners with government backed loans that they just need to put information into the new fancy mobile app and options for help will be provided. Next thing we knew we were getting a letter saying we are in the beginning of the foreclosure process. US Bank has pitched a service that does nothing to help homeowners in our situation and as a result we are further behind and starting foreclosure. 

My fiance and I were very excited to buy our first house and put 3 % down and looked forward to our new house and new life together. XXXX job loss was unexpected and difficult as we have XXXX XXXX in our home, XXXXXXXX XXXX as well as a XXXX XXXX XXXX and XXXX XXXX XXXX. We did everything we could to keep up but could not make the XXXX mortgage payment and put my information into the app so that we could get help. However no one responded to our request for assistance through the app. I wanted to show my good intentions and made a partial payment in XXXX but could not pay anything in XXXX and submitted a new request for assistance through the app. Again nothing happened, no response, no access to government programs designed to help struggling homeowners with government backed FHA loan. I was able to make the full XXXX payment and wondered why US Bank was not responding to our requests for help. 

US Bank is now refusing to accept payments from us unless we reinstate the entire past due amount which is close to $ XXXX. We have never been considered for ANY assistance options even though I know that FHA has programs for struggling homeowners.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified accounts : XXXX XXXX Account number XXXX and XXXX XXXX Account number XXXX. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC. (AZ)

I sold my home and escrow closed on XX/XX/XXXX. I have a left over balance of {$1900.00} that is due to me. By law, mortgage companies have to refund this within 30 days. On XX/XX/XXXX, I called Arvest Central Mortgage Co to check where my check is and was told it was mailed out to my new home address the first week of XX/XX/XXXX. Obviously I did not receive it. Arvest rep. told me that they would issue a new check and I should receive it within 7-10 business days. 
Today ( XX/XX/XXXX ) I called Arvest again to check where my check is because I still have not received it. I was told by the rep. ( XXXX ) that they mailed it on XX/XX/XXXX. I asked for a new check to be mailed with a tracking number. They did not want to issue one until another 5 business days. They said I need to wait another 5 business days so they can cancel the check that they supposedly issued on XX/XX/XXXX, and then issue me a new one. 
This mortgage company is a fraud! They made excuses not to refund me my money that I overpaid them!!!
Consumer complaint received 2022-09-12
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. (VA)

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 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MN)

The current balance on my Chase Student freedom credit card is completely incorrect and is way higher than it should be. I counted all my transactions and paid all my statements on time this year with no pending fees or interest, only to find that the current balance is incorrect.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (OH)

WC Koalafi {$710.00} XX/XX/2022 Fraudulent activity Debt on credit report is not my debt with collection agency. No collection contract between said agency. No original contract has been provided. I am disputing this debt, revoking all harassing calls text email that may result in contacting CFPB reporting violations by said company. Requesting validation, also purchase agreement. Furthermore WC Koalafi is in violation of consumer laws 12CFR1006.34 ( b ) ( 5 ) 12CFR1006.34 ( c ) ( 4 ) ( i ) 12CFR1006 ( d ) 15USC1681-S2 ( 7 ) ( a )