davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (IL)

XX/XX/2022 I woke to pay a bill and my entire checking/money account was frozen with all assets and due to my money account being frozen it prevented me from moving money from my save account to withdraw. I contacted the come who told me on a recorded line that they dont see why they have now know the reason for this but that it needed to be escalated and I will have to hear back in XXXX  days. XX/XX/2022 I received an email from the escalations team stating that they dont know what happen but it is being investigated along with a second email stating that they have now frozen my save account. My bills are now late and pst due with my money in limbo for no reason. Credit karma is holding $ XXXXusd. And wont tell me why. Their customer service says they can only email which is very scamming and misleading. They are giving me the run around while not allowing me to know why they have my money.
Consumer complaint received 2016-11-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southern Credit Recovery, Inc. (LA)

I received a bill from the doctor 's office for a balance. The bill was paid at the doctor 's office. Per the doctor 's office everything was in fact paid in full. Thinking that this one bill must have been overlooked somehow I went ahead and paid Southern Credit Recovery , Inc {$40.00} ( ck # XXXX ) on XX/XX/2016. After paying the collection company I continued to receive bills. I forwarded to the collection company a copy of the cleared check. Even after I have forward to the collection company multiple times a copy of the check and notifying them the bill was paid they continue to send demand letters. I then requested them to no longer contact me and that request too have been ignored.
Consumer complaint received 2024-05-18
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Good evening I have tried using my virtual AMEX gift card at multiple merchants online and most have accepted the card as a payment method, but could not complete my purchase. The balance is slowly drained from constant pre-authorization charges after linking. I have spoken on the phone-line and even participated in multiple forum threads to find an acceptable merchant, but there has been no luck. At this point, I am just paying XXXX cents every time to test whether the card would link to a merchant or not. 

This has been a frustrating and unforgiving experience for the constant inconveniences. I would like the rest of the funds to be mailed as a check to me, and I will not be touching any of the funds anymore. 

Gift Card # : XXXX XXXX XXXX Exp : XX/XX/year>XXXX XXXX : XXXX XXXX XXXX : {$49.00}
Consumer complaint received 2016-10-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (MA)

I had applied for a loan modification, I was approved, but I by mistake did not pay the exact amount for the first two months of the loan I paid {$60.00} less per payment in error as I was paying off the stubs. They then took the loan back and declined me for the loan, I have tried to reapply and they have continued to deny me for a new loan. Now the bank is saying they are going to foreclose.
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northern Alliance Management, LLC (GA)

I have been getting repeated calls from a company call XXXX or XXXX. The say that I have made an agreement with their company and that something has happened to where I need to resolve it. I have never dealt with this company before. I did use payday loans in 2012 and I have paid those debts off so I know that I do n't have a debt with these people. I have researched the phone numbers used for them ( they call from a Delaware number but leave a different number to call back ) and have found they call other people claiming the same thing and others have found it to be a scam. They also recently contacted my mother to get some information and I am not a minor, so I know that it was wrong/illegal for them to do that. ( I was not a minor when I incurred any of my debts either. ) I do n't answer when they call because I do not answer numbers I do n't recognize but they do leave me voice-mail messages. I get several calls in a week and it is a problem because I do n't owe any debts other than ones on my credit report. I am feeling harassed by these people and it needs to stop. [ The number they call from is XXXX and the number left for a return call is XXXX. ) I have fallen victim before and I just want others to know not to take everything at face value.
Consumer complaint received 2016-10-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NY)

My mother 's home was full paid and she applied for a mortgage in XXXX her only steady monthly income at the time was SSA benefits. She received the mortgage with payments of about $ 700/month. She passed away in XXXX and I have been trying to assume the mortgage since her passing. Complications arose from the beginning with the mortgage company not responding to the request ( multiple requests were sent for assistance ) ; there was multiple mortgage service providers ; dealing with the death of my mother and my own health and financial issues. The last company holding the mortgage again either did n't respond to requests for assumption application or repeatedly asked for the same information multiple times EVEN after acknowledging they had the information. The amount owed on notices were different, the POC changed multiple times ; notices were not being sent to the proper mailing address. The mortgage company took it upon themselves to change the mailing address. The mortgage company and the servicing provider even gave the neighborhood housing counselor a hard time in responding to requests and acknowledging information receipts.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

my XXXX loan is with Bay View loan servicing. They modified my loan under HAMP program. When i went to modify my XXXX loan with XXXX, I am told that Bay View Loan Servicing failed to file correct HAMP related paperwork with Treasury department. I do n't know what that means and Bayview is unwilling to work with me to correct this issue. My XXXX loan with XXXX is stuck. In the mean time, i am falling more and more and more behind on my mortgage.
Consumer complaint received 2022-02-10
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-12-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

XXXX and XXXX XXXX filed for a short sale application in XXXX and we received an offer on the property in XXXX. They are a divorced couple who are both on the loan and turned in all paperwork including proof of income or lack thereof, bank statements, tax returns and required documentation and divorce decree. Chase required that the wife quitclaim the property to the husband so that XXXX of the XXXX parties claim responsibility for the property which we are totally baffled by and now they are telling us instead of moving forward with looking at the offer presented that they have to consider the husband for retention of the property before they can look at the short sale. It has been the intent of the homeowner to short sale since XXXX and we are about to lose a valid buyer at current market value due to the delay by Chase employees to get their act together. The husband and wife knew when they divorced they would have to sell the property and neither would be able to afford it alone to force the homeowner to go through the steps and time consuming and overwhelming steps they have been put through is going to cost them the XXXX and only buyer they have for the property.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I initiated a mortgage loan on  XXXX / XXXX / XXXX  and the only insurance requirement indicated was for hazard insurance. Since origination, the loan servicing has been transferred twice. At no time did either of the servicing companies state a requirement for any insurance other than hazard insurance. On  XXXX / XXXX / XXXX , Specialized Loan Servicing LLC  ( SLS ), th e current loan servicing company sent a letter stating that windstorm insurance was required. I promptly ordered and paid for a windstorm policy, which became effective  XXXX / XXXX / XXXX . I was further notified by SLS that I was required to have windstorm insurance for the period  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I called and spoke with t he SLS Insurance Center p ersonnel, explaining that there was no indication of requirement for windstorm insurance prior to their letter of  XXXX / XXXX / XXXX . I inquired why a policy was required retroactively. SLS personnel advised that the mortgage required it. SLS then force-placed a windstorm on the property, for the period  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX , and they charged the {$2000.00} premium to my escrow account. I call ed the SLS Insurance Center again and asked that the charge for that premium be removed from my escrow account for the reasons already cited. SLS has refused to remove the premium charge .
Consumer complaint received 2017-05-22
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. (DC)

Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requested m y credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y credit score.
Consumer complaint received 2016-03-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Peter Roberts & Associates, Inc. (NH)

I never received written notification of the debt. I was unaware it existed until it was reported to the credit bureau, 4 years after the service date. When I requested validation of the debt the representative refused to comply, and stated I am required to request a validation in writing.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One closed XXXX of my credit cards without notice or consent. Two years of credit down the drain with dramatically affected my credit score. Policy of return payments is not explained properly and when cards were closed I was not given notice in any form until I went to make a purchase AFTER I paid both of the card off in full. Also ; I still have not received my security deposit as they were secured credit cards ; equaling in the amount of {$440.00}.
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have been trying since XXXX/XXXX/2015 to communicate with Capitol One regarding a payment plan to stop collection efforts and make regular payments towards the amount owed. Since then, they have continued collection efforts, as well as charged-off the account, and worst have put my boyfriend in the line of fire with his credit as well. He was to be only a USER on the account, and has NEVER agreed to be on the card as a co-borrower. No contract has ever been signed by him. Therefore, both my credit and his are currently being destroyed by this XXXX company. I have made many efforts to contact them ( see attached ), to when they only respond with a letter ( see attached ) that says to call them and that they can not respond in writing. I refuse to call until I know my rights and my boyfriends rights are being upheld by the company - and currently, they are not.
Consumer complaint received 2016-06-08
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I had a loan from LoanMart for a vehicle while I was in the XXXX XXXX. I notified them that I was being called to XXXX XXXX and they took the car. They auctioned the car off. They got all of the balance except {$890.00}. Now they are after me today 7 years later for {$6400.00}. It is past the 7 years to report this per the Fair Credit Reporting Act, is way over the Statue of Limitations. They sent me an email saying the balance was {$890.00} so I would call and then said I owe them {$6400.00}. When I could n't pay that they threaten to put liens on any current vehicles I had, threatened to have me arrested, threatened to sue me and take garnish my wages. This was from XX/XX/2015 to XX/XX/2015 which I believe was almost 7 years ago. They violated the Soldiers and Sailors by repossessing the car after I notified them. 
None of the correspondence said they could n't sue me so they led me to believe that they easily could. I was ready to start paying them when a friend of mine told me that what they were doing may be illegal.
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

( XXXX XXXX XXXX ) Venmo randomly and unreasonably suspended my account and unjustly withheld all of my funds, {$4000.00}, in their account for 180 days even after providing all supporting documentation including legal ID, physical address, full name, SSN, and bank statements. They will provide no reasoning nor support to any degree. After looking online, it seems I am not alone in this complex issue of holding people 's money for seemingly no reason, even after providing everything they requested.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXX Events : On XX/XX/24 A vendor check, # XXXX for {$780.00} was mailed to a vendor. On XX/XX/24 this check was processed by our bank, Truist, and paid to vendor. On XX/XX/24 check # XXXX was fraudulently copied and presented to XXXX XXXX XXXXXXXX for deposit in the amount of {$2900.00}, made payable to XXXX XXXX. On XX/XX/24 Truist reprocessed this same check # XXXX and payed XXXX XXXX  XXXX. 

On XX/XX/24 check # XXXX for {$340.00} and on XX/XX/24 check # XXXX for {$1800.00} were mailed to vendors. Check # XXXX was paid by Truist on XX/XX/24 however, both checks were also whitewashed and reprinted. Check # XXXX was made payable to XXXX XXXX XXXX for {$2300.00} and check # XXXX to XXXX XXXX XXXX for {$2500.00}. Both checks were cashed at the teller level on XX/XX/24 and check # XXXX was also a reprocessed check as Truist had already paid this check. 

Truist is refusing to reimburse for these fradulant, duplicated and reprocessed checks. They sent a form letter stating the fraud case is closed. We attempted an escalation without success.
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (TX)

I AM RESUBMITTING THIS. My original complaint was # XXXX. CFPB wrote me back that they cancelled this complaint since it was already addressed. IT WAS NOT. Said something about " credit repair ''? I assure you, this is XXXX XXXX and this is not mine. The orignal complaint that was ignored was : I have reached out to Harvest Associates 3 times now. I know i do not own this debt, it is only on the XXXX bureau. I have just asked them to show me what they have. I reached out in XXXX, XXXX, and XXXX to no avail. I also reached out to XXXX twice but i really wanted Harvest to show. me this debt and they have not. They have NEVER made contact with me, they have NEVER answered me, and its because they know the debt does not belong to me.
Consumer complaint received 2022-02-10
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my two year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

Included in this complaint are documents to validate the various events that have taken place with Wells Fargo. This has been an ongoing issue since XXXX beginning with Wells Fargo filing an unreleased mortgage that included us in a foreclosure battle that should not have involved us, and has been ongoing and is still ongoing at present. This caused us to accumulate a debt of {$100000.00} for legal representation. In addition, there was d a discrepancy with the legal description of our property. Several modified agreements were rejected because of the discrepancy in the properties legal description although, we purchased title insurance. mortgage payments were returned and refused, We show several full release of mortgage entries with the XXXX XXXX XXXX 's XXXX, also showing that our property has been partially refinanced and we were not the individuals who refinanced it. Our credit report has shown " no-status since XXXX of XXXX which does not reflect any payments we have made on the property. Although we were told by Wells Fargo that we were not in their data base as their customer, they were said holders but could not produce the note. In XXXX, we received documentation from XXXX XXXX XXXX, appearing as mortgage server, showing where mortgage taxes and insurance had been paid into escrow by us. 

Because of the foreclosure process in order to keep from loosing our home were required to pay {$4500.00} up front to bring account current and {$2700.00} per month for approximately 7 months all resulting from an unreleased mortgage that was later replaced by a quiet title, however we were still held accountable to a mortgage note that had been paid. ( copy of release included in submitted documents ). 

We have continuously been in litigation for this same case that has now reached its limits according to the statute of limitation after we have received 3 dismissals of case in our favor. We are now experiencing what is legally described as " malicious prosecution ''. The case was first dismissed in XXXX, XXXX without prejudice, Wells Fargo filed a request to " Open to refile '' in XXXX of XXXX and it was dismissed with prejudice, again in our favor. Wells Fargo filed again on us on the XXXX of XXXX, XXXX, it was again dismissed with prejudice. 

We receive monthly communication from XXXX XXXX XXXX XXXX ( XXXX ) in regards to a Chapter XXXX Bankruptcy, in which we did NOT file. A lien has been placed against our property which prevents us from selling or refinancing our home. I pray that CFPB initiates a full investigation of Wells Fargo 's Mortgage lending practices in addition to their escrow collection practices and foreclosure procedures wrongfully against us that shows Wells Fargo has no right to foreclose according to the SECURITIZATION AUDIT initiated in XXXX, XXXX. We pray exposure, justice and recompense.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (FL)

Chase bank is reporting a charged off credit card on my credit file. I have requested the debt be validated and have yet to have any documents furnished. I recently recieved a cancellation of debt from the IRS on XXXX/XXXX/2015, which shows that Chase has written off the debt and has left with the tax burden .Also they are reporting and still actively trying to collect the full amount of the debt as of today.