davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

Our mortgage servicing was switched to PHH Mortgage on XX/XX/2021. Since that time, I have not been able to pay my monthly payment through their website or app. The only options available to me have been pay-by-phone and Western Union. The problem with this is that both of those options cost me an additional fee ( ranging from {$7.00} to {$17.00} per transaction ) as well as both being much less convenient than paying online or through the app. Per PHH Mortgage 's website and customer service representatives, you can pay online or through the app with no additional fees provided you are enrolled in electronic/paperless billing, which I am - since the very beginning. I have contacted them multiple times ( 10+ ) and spent literally hours on the phone with their representatives as well as their escalation managers. As of today ( XX/XX/2021 ) absolutely none of them have been able to resolve the issue. Several of the representatives were less than helpful at best, and those that tried to help were ultimately unable to rectify the problem. I have been told several different things that were not correct, such as ( paraphrasing ) " your account has been flagged for foreclosure '' and " there's an issue in our web department '' and " you're trying to make your payment during a blackout/changeover period ''. The only excuse I've been given that even seems legitimate is " there is a flag on your account relating to the Office of the President ( of PHH ) ''. The most helpful representative to date has been Escalation Manager XXXX, who gave me a direct contact number of ( XXXX ) XXXX XXXX to reach her. I certainly appreciate her efforts, but she too has been unable to resolve this. 

My request ( as I've told so many PHH Mortgage representatives ) is simple : I want to be able to use the methods I'm told are available to me ( web login & app ) to make my house payment in a timely, straightforward manner, and not have to deal with calling in & re-explaining the situation every four weeks to a new representative while having to demand that the payment processing fee be waived since the problem is in their system and clearly not anything I can correct. It has been four months since PHH Mortgage took over servicing of my account, and hardly a week has gone by that I have not talked at length with one of their representatives. 

I am now at the point where I need to make my XX/XX/2021 payment and I still receive messages through the website and app that online payments are not available to me. 

I have attached a photo of the notice I receive when trying to make a payment online or through the app.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

A tree fell on my house XX/XX/2020. An insurance claim check was issued and I unknowingly deposited the check into my account. The check is in a holding account at XXXX Bank and Nationstar ( Mr.Cooper ) refuses to endorse the check after numerous attempts. Each time I spoke to a representative, I was informed that I needed to provide more documentation, each time it was a different document. After reaching out to my Bank and insurance adjuster, they tried working with Nationstar going so far as to speak to one of their representatives. After each contact with the mortgage, I was told by my insurance company and my bank that everything should be resolved. 
Now I am dealing with the mortgage company refusing to fill out the acknowledgment, release, allonge documentation, Im being told the bank should fill out the document and submit. The bank is telling me they do not fill out that particular documentation because they are not payees on the check. 

This has been going on since XX/XX/2020. I am exhausted trying to get this issue resolved.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (WA)

I've opened an American Express Checking under a promotion that gave a XXXX MR ( membership rewards ) points for meeting the terms. The XXXX point bonus is taxable and equivalent to {$300.00} usd. The terms of the promotion were met and the bonus was posted to the account on XX/XX/2023. I was given the option on the account to combine the MR points on the checking account with my credit card account. I've contacted Amex customer service through chat to do so. The representative combined the accounts ; however, upon the completion, the XXXX MR points from my checking account had disappeared. The representative assured me that I should see the point balance updated in 24 to 48 hours. I've tried contacting Amex customer service multiple times to resolve this matter as the points still haven't been posted over 1 month later. The technical glitch is due to Amex internal systems, so it's not a problem that I should be dealing with. I have copies of chat logs with Amex representatives that I can provide on request.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TX)

I have consistently been charged interest incorrectly on my Amex card. Each month for the past few months they have incorrectly calculated a balance due to interest ( I have a 0 % promo active ). I get charged interest, I contact the company and point out the mistake, and then they apologize and reverse the charge while promising it won't happen again. 

After 3 consecutive months, I'm fed up with the back and forth and so am submitting this complaint. The worse part is, I have made multiple payments each month, and they total to above what the alleged balance subject to interest is - and yet that balance stays the same each month, continuing to trigger an interest charge that has always been incorrect
Consumer complaint received 2018-07-27
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. (CA)

I made reservations and paid for virtually all expenses for my trip to XXXX, including airfare, hotels, transfers, meals, shopping, etc. using my Chase Ink Visa Card. On the way to XXXX from XXXX on XX/XX/XXXX, my flight was delayed and eventually cancelled approximately 5 hours after its scheduled departure and after I had boarded and been on the plane for more than an hour. All passengers were asked to deplane the aircraft and were stuck in the XXXX XXXX airport with no assistance whatsoever from the carrier XXXX. I had already been traveling for approximately 24 hours at this point, and was now stuck in a foreign airport after midnight with no recourse or ability to secure transportation or lodging. After spending the entire night without sleep, I was finally able to book a flight to my destination out of XXXX 's other airport on XXXX, albeit at a different airport and at significantly higher cost. Upon returning home, I tried to make trip interruption and trip delay claims provided under Chase 's credit card agreement. This service is provided through a website called XXXX XXXX XXXX   ( XXXX ) which is owned by XXXX XXXX, and after seven weeks of repeated email and fax documentation submissions and more than 15 telephone calls, neither claim has progressed. I have received a litany of excuses as to why, all of which are unsubstantiated. I have attempted to submit documentation using their website as instructed using two different computer ( one XXXX and one XXXX XXXX ), using three different web browsers in each operating system as well as trying an XXXX  and XXXX, Every time I received and error message stating that there was a problem and to call customer service. Each time I called customer service and was given a different excuse and told to submit my documentation either by email or fax. I have submitted every document via both email and fax, have had no emails bounce back and have every fax confirmation that my transmissions were successful. I have called virtually daily to follow up and continue to receive excuses as to why they have not received my documentation and hence why they can not process my claims. I literally have run out of avenues to pursue my meticulously documented claims, and believe that Chase 's insurance claim processing service is either completely incompetent or potentially fraudulent. Each call has involved a different customer service agent who has provided different or conflicting information and refused to let me speak to a supervisor, a technician responsible for website administration and document processing and the claim adjuster allegedly assigned to my case. Chase and XXXX XXXX have been completely negligent and should be admonished for their failure to honor their credit card agreement and attempting to deny legitimate claims thereunder.
Consumer complaint received 2021-05-27
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: Experian Information Solutions Inc. (CA)

I SPOKE TO THE CREDIT BUREAUS REGARDING INQUIRES THAT I DID NOT AUTHORIZE AND WAS TOLD TO FILE A COMPLIANT TO HAVE THEM REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

I have tried to obtain a debt validation documents from Southwest Credit, however, they are unable to do so. They keep sending me copies of a bill, which does not constitute a debt validation. 
I have also disputed this with three credit bureaus, however they have ignored my request stating the debt is valid and that belongs to me. Collection agencies ( all three of them ) are not asking debt collectors to validate the debt rather than just obtaining copies of alleged debt.
Consumer complaint received 2020-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc. (WA)

RE : GM Financial Account # XXXX Had a 4 year lease with GM Financial for a XXXX, with perfect payment history and the account set up on Auto-Pay. I have a perfect credit file on all 3 bureaus, and have never missed a payment. 

Upon return of the leased vehicle, I was not advised of the {$590.00} return fee, and did not receive a bill for the fee. In addition, the account was always on auto-pay, which GM Financial states they remove automatically at lease return. This was also not advised. 

Received a phone call on XX/XX/XXXX from an outbound agent for XXXX, stating that there is a balance on the account of {$590.00} and explained what it was for. I advised that I would be happy to take care of the payment, and asked if I can schedule it the following week. He did not state that this was past due, nor did he advise of the actual due date. 

As agreed based on the conversation, I set up the payment on XX/XX/XXXX to be deducted on XX/XX/XXXX. 

Today XX/XX/XXXX, I received an alert on my XX/XX/XXXXcredit file that GM reported me 30 days late. Thinking it was an error, I immediately called GM Financial. I explained everything noted above, they verified the pending payment, and then I asked them to remove the 30 day late that they reported. 

After speaking with managers ( ID # XXXX and ID # XXXX ), they told me that its my fault that I did not know they removed me from auto-pay, as well as took no responsibility for their agent on XX/XX/XXXX advising that I could pay when I did. 

They refused to remove the late off of my XX/XX/XXXXcredit file, which dropped my score from XXXX to XXXX. I am in process of purchasing a home, and this will drop me to tier 2 credit. 

I need some assistance here, as the business practices of GM are both unfair and deceptive. 

Thank you in advance for your assistance. 

XXXX XXXX
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: BBVA FINANCIAL CORPORATION (FL)

XX/XX/2018 I recieved my direct deposit and the moment i used the card the account was closed. I callsd bbca compass clear spend and they sent me to XXXX XXXX when i asked how i would recieve my money. I need the company to send me my money my check asap.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (GA)

I deposited money orders into my checking account and they placed a block on my account until I can provide receipt of the money orders. I had XXXX in the account before even depositing the money order and I am not able to get the receipt of the money order since I had thrown them away 4 days after I deposited the money order since I assumed it would be fine. I have no way to get the receipt and have even went to XXXX where I got the money order to get a receipt which they are not able to do so as well as XXXX XXXX. My funds are stuck on hold forever and they are not even willing to close my account to let me have access to my funds due to the money order that I deposited. There is also no citibank branch in my state or nearby state so I am not even able to go to the branch to get my money.
Consumer complaint received 2021-05-27
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: BROKER SOLUTIONS, INC. (CA)

On XX/XX/2021 I reached out to New American Funding regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested XXXX XXXX  and XXXX  to prove proof of this as well and have received only a generic letter stating that New American Funding has " verified as accurate ''. How can New American Funding verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

I am writing to you about the succeeding Synchrony accounts : 1.SYNCB/XXXX # XXXX, opened date XX/XX/XXXX, limit {$2000.00}. 
2.SYNCB/AMAZON # XXXX, opened date XX/XX/XXXX, limit {$3000.00}. 
3.SYNCB/CARE CREDIT # XXXX, opened date XX/XX/XXXX, limit {$5300.00}. 
4.SYNCB/MENS/WEARHOUSE # XXXX, opened date XX/XX/XXXX, limit {$4000.00}. 
5.SYNCB/XXXX # XXXX, opened date XX/XX/XXXX, limit {$2000.00}. 

I have suffered Damages : emotional stress, denial of lines of credit, high interest rates, etc. due to this situation. I want the items off my report. My demand is based on the following actions committed by the company : Inconsistent information across buraus : Different amount of late payments. This has caused a big negative impact in my credit score, Failing to send the required notice by mail about negative information reported, etc.
Consumer complaint received 2021-07-18
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)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

Franklin XXXX XXXX account number XXXX is try to collect a debt from me I sent them a certified letters on XXXX they will receive on Friday XXXX for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX.Franklin XXXX XXXX is the creditor reporting inaccurate information on my credit report Franklin XXXX should have sign documentation between me and them. So if They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I no account with Franklin XXXX XXXX and if I have a account with XXXX am not saying I do I never gave them permission to sell the Debt to Franklin XXXX XXXXFranklin XXXX XXXX have 15 day to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character I never got a notice or anything in the mail.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

Last XX/XX/2020 I walked into SunTrust to withdraw money from my account and was able to without any isaue.Shortly after I left the bank they froze my account and then a month later only sent me my opening deposit which was {$250.00}. They still have {$5900.00} that they haven't returned. It was a loan from the SBA given to myself under my name and home address which is the same on my driver 's license. They sent me a letter claiming it was closed to fraud? I have the loan documents that show the loan given to me and I opened the bank account in person. My loan is now going to be due for repayment. I need the reminder of my funds.
Consumer complaint received 2021-10-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services (GA)

This complaint is about the following account with Mercedes Benz : XXXX XXXX, XXXX XXXX. 

In XX/XX/XXXX, the company I am a XXXX XXXX for ( XXXX XXXX XXXX ) purchased a vehicle at Mercedes Benz XXXX of XXXX. At the time the dealer was made aware this was a corporation purchasing a vehicle and the dealer told me since I am one of the XXXX XXXX, I would need to sign as a representative of the company, however the account would not show on my credit report. 

So the contract I signed stated the buyer of the vehicle is the corporation ( XXXXXXXX XXXX XXXX ), and there is no co-signer or additional borrower. 

Fast forward XX/XX/XXXX, the account is showing on my credit report and also it is reporting a late payment for XXXX XXXX, as somehow the company book keeper had problems accessing the online account. 

Now this has destroyed my perfect credit. XXXX did not send me any notices about this either stating they will be reporting adverse information to my personal credit report. 
My company has every intention of paying on the vehicle, however, there is no contract between myself and Mercedes Benz Financial. 

Due to this I am demanding that the late payment or the entire account be removed from my credit report. 

I do want to resolve this matter amicably, however, if this matter is not resolved, I will file the attached arbitration demand to get this matter heard by XXXX arbitrator. 

Thank you.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (MS)

My card was expiring on theXXXX so I called for a replacement card on XX/XX/XXXX they sent me a card but that card did work they said they didnt no were that card came from so I ordered another card that card came also tried to ativact that one that one did not work so I ask to speak to a supervisor I told her whats going ok then she said she would get me another card so that card also came by XXXX so that didnt work thats the third card was sent out to me and didnt work I told her I havent not even paid my bills that the landlord was evict me all she said she was sorry to here that but she is the supervisor and thats all she had to say was sorry now I called again XX/XX/2021 to speak to a supervisor they told me theres no supervisor in
Consumer complaint received 2018-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I, XXXX XXXX qualified for a discharge for my loans, however I had made future payments to the company until 2019, and they never refunded me for payments that I already made. The company was still charging me interest everyday despite the fact that they were already paid for the interest and principal for that month. For example if I already paid for the month of XX/XX/XXXX and XX/XX/XXXX which is XXXX dollars a month, I would still owe interest on XX/XX/XXXX and XX/XX/XXXX. When I asked isnt the principal and interest included in the monthly payment they reply yes. I dont understand why I have been paying double interest and captalization. The company Mohela even entered my account under a forbearance and they already have a monthly payment. Im so concerned that they are taking advantage of the individuals that owe student loans please look into my account.By the rate that they are going I would never pay them off and I have since cancelled my discharge until they give me the right amount owed.