davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Hello, we purchased as home in XXXX. We just sold our home in XXXX. I have been researching the loan payments and how it was processed. There are discrepancies with the fees that were charged and how they posted payments. I contacted nationstar about this in early XXXX they s ed not me a detailed transaction print out for XXXX and I see several times we were charged 2 times for the same transaction. I tried to contact a Texas where they re located and they told me to contact my state. Do you know who I need to speak with and how I can go about this? 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eastpoint Recovery Group, Inc (GA)

I had a XXXX XXXX Credit card and it was through XXXX I tried to make payment arrangements but I got sick and was out of work for over a year I would pay $XXXX a month then finally they closed my account after they knew what was going on. Well I had been getting a call from this number XXXX on my number and my finance number. I finally checked my voicemails and they have left some very disrespectful voicemails on both of our phones and my fiance is not even on the account and its very threatening and I know that's against to law to leave personal information on a cell phone saying what they are calling about. Thats against the tcpa and I will not be speaking with them after the voicemails were very disrespectful and we have them saved. The debt collection company is XXXX XXXX  and it's a lady on the voicemail saying I don't know why you are not calling us back I guess you do not care and that I"m in breach of contract, now I'm not a lawyer but I do know consumer laws and they should have not left that on my voicemail or my fiance phone at all. The lady name is XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( EXPERIAN, XXXX, XXXX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED.

The

credit bureaus have to inquire why my letters are unaddressed within 30 days. CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days. CFPB has to require that the credit bureaus remove the negative items from my credit reports
.
Consumer complaint received 2017-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

I qualified for a deferment for my XXXX 2017 payment for my auto loan with Wells fargo dealer services. The deferrement forms were sent via email. However, the attachment with the file would not open. I called back and asked for the forms to be mailed to my address. They never arrived.However, I did recieve a statement on XX/XX/XXXX. I was hoping that these were the forms I had asked for. I immediatley called Wells Fargo to ask where my deferment forms were. I was told that it was now 46 days since my payment, and the deferment was only good up to 45 days.This is unacceptable, I have done my due diligence to aqcuire the forms necessary to process this simple procedure. Wells Fargo, has made it impossible to meet the requirements that they have set up.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MA)

I have not applied for a comenity card. I had fraudulent international charges on this account. I have asked for the charges to be removed-XXXX times in writing. They removed the charges then charged me a late fee. I paid the late fee because I did not want to ruin my credit. Now I get a bill today for {$160.00}. They reinstated the fraudulent charges. They do not answer their phones and they do not respond to my letters
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On the night of XXXX XXXXXXXX XXXX at approximately XXXX, I deposited {$2000.00} cash into my accountant at XXXX XXXX XXXX XXXX XXXX  so I could pay my mortgage. After I inserted the bills the atm proceeded to count the money ( or thats what I thought XXXX, flashed a quick error message on the screen and spit back out a XXXX XXXX XXXX. The screen said thank you for banking with us and went back to its Home Screen after spitting my card back to me. 
I immediately checked my account balance on my phone and the {$1900.00} that I didnt receive was not credited to my account. 
I then called the number on the atm and got in touch with someone and explained my situation. 
While I was on hold I put my atm card in the machine to select the deposit option to see if it would open and I could possibly get my money out. Wishful thinking. 
It wouldnt even let me select the deposit cash option on the screen. 
By this time I was back on the phone with a different person. I explained to the the situation and they told me they would help me open a claim. I drove from the atm into the banks parking lot, gave all my information for the claim and was told XXXX days this issue should be resolved. 
To be proactive I also called the bank branch where the incident happened the morning they opened. I explained my situation to the gentleman who answered the phone and he told me that I would have to submit a claim over the phone and that there was nothing that he could do. 
I gave them a little over XXXX  days and was told by another person on the phone that I received the wrong information and that it would take at least XXXX  days for this matter to be solved. 
Fast forward to the XXXX day I was told my claim was denied bc there were no overages in the atm at the end of the week. 
Not accepting losing out on {$1900.00} I asked what I was supposed to do they told me I could make another claim. Which I dont understand what that is going to do if they already denied the claim. 
So here I am frustrated and still out of my money and now my mortgage is late.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

The issue is with HSBC Bank USA. I recently opened a HSBC Cash Rewards Mastercard in XX/XX/2019. I attempted to make my first payment on XX/XX/2019. It was reversed on that same day, but it did not reflect as such on my account for two weeks. The company also charged a reversal fee of {$25.00}. I called and HSBC claimed it was an issue with the bank. My bank said that there was never a withdrawal attempted, and I had a sufficient amount of funds. I called back again and attempted to make the same payment on XX/XX/2019. Now, there is another hold and the payment has not been made. I can not have a credit card that I can not make payments on, and it's hurting my credit! I need help.
Consumer complaint received 2017-09-08
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. (WA)

Myself and millions of americans were victimised by the recent cyberattack on equifax. I am listed as a potential victim according to equifax 's XXXX. This exposes me and millions of americans to identity theft.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

On XXXX XXXX, XXXX I faxed a discounted payoff offer to WELLS FARGO HOME MORTGAGE for 2 loans I have with them. 

On XXXX XXXX, XXXX I spoke to XXXX with ID XXXX and she transferred my call to XXXX ID # XXXX of the Home Reservation team and she was not able to assist me therefore she transferred me XXXX of the " Re-Entry '' team of Wells Fargo Home Mortgage. 

XXXX explained that I NOT am eligible for a loan modification, however I received a letter from Wells Fargo Home Mortgage that I am eligible for options that included loss mitigation in a form of a loan modification, short sale, deed in lieu etc., she further stated that this letter was approved by CFPB. 

My concern with Wells Fargo Home Mortgage is there contradictive behavior. When I explained to XXXX that I have a letter from Wells Fargo Home Mortgage condricting her statement of eligibily of loan mod she said its " generic '' CFPB approved letter that everyone gets. 

Well I was shocked to believe that the CFPB would allow to send generic letters to go to consumers stating that they have loan modification options when in fact they do n't! 

I finally asked XXXX since according to her I am not eligible for a loan modification, what am I eligible for? She replied, deed in lieu or short sale. She said the short sale must be in 10 days prior to the sale date. 

I proceded with a short sale option and Wells Fargo Home Mortgage accepted my short sale documents but after a few days of requesting documents the loan XXXX XXXX XXXX removed it. 

My complaint is the emotional and mental abuse Wells Fargo Home Mortgage has put me through by telling me what I am eligible for in writing and then contradict themselves and then tell me I can still conduct a short sale and I commit to it and then they tell me no even when timely. 

I need the CFPB to interject and reprimand Wells Fargo Home Mortgage for the deceptive games they conduct upon consumers like myself. 

I further ask the CFPB to investigate their wrong doing and bad faith actions against me.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torriere Holdings INC (GA)

XX/XX/22 phone call made to spire recovery solutions XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Spoke with a representative to try and make a suitable payment plan. Representative stated I must set up a automatic withdrawal of {$110.00} every XXXX weeks today or they would send in my report to collections. I explained to her I could not make that amount every XXXX weeks, I tried to set up a lower payment plan. She was rude and stated I would be turned into collections. Since my husband and I have had XXXX in XXXX we have been very sick and he has been unable to work, I was not able to explain this as she would not let me, I needed a better payment plan until we could get back on our feet.
Consumer complaint received 2021-02-03
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. (FL)

Dear Sirs CFPB, I appreciate your support on the recent Credit Score Report # XXXX issued by Experian on XX/XX/2021 requested by XXXX  XXXX XXXX on XX/XX/2021 as result of an application for credit made by myself to this Bank. 

The request was NOT APPROVED since as per Experian Report # XXXX states " SERIOUS DELINQUENCY '' related to a CREDIT CARD account # XXXX, which showed a due payment of 30, 60 and 90 days. I contacted XXXX  XXXX XXXX XXXX XXXX  and they were not able to confirm this information because this was not available in its system. 

I set a dispute to Experian for the Credit Report based on that XXXX  XXXX XXXX was unable to confirm this information to me and Experian send a Dispute Result Report # XXXX Investigation ID # XXXX dated in XX/XX/2021 stating as " REMAINS '' the potential negative item withthe following comment : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' My concern is that XXXX  XXXX XXXX was able to confirm the information to XXXX but it was not to me. 

I highly appreciate your support since this situation it is hurting my access to better credit Conditions
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

I went through Rocket Mortgages online service to inquire about refinancing with cash out to me. I was " approved '' to refinance at 2.99 % with roughly {$25000.00} cash out. Almost immediately, I started texting with XXXX XXXX at Rocket who confirmed some of the information and relayed terms to me. I submitted the documents requested in a timely manner. Then more documents were requested. Then more documents were requested. Then I was told my rate lock expired less than 7 days after my application and rate were tentatively " approved ''. I was also told that there was no appraisal needed. 

Today, after telling XXXX I was going out of town from XX/XX/XXXX through XX/XX/XXXX ( yesterday ). Upon my return home, I submitted the documents listed on my " to Do '' page. Also, on XX/XX/XXXX, I emailed XXXX XXXX about an email I received that now indicated I would need to bring roughly {$1300.00} to closing and would also need to submit additional documents proving I could do that. They wanted 90 days of bank statements which I had previously provided. It should be noted that I was originally informed I would be getting cash out, not paying to refinance. 

On XX/XX/XXXX, after raising questions about the change on the closing documents requiring me to bring cash to closing after noting in any of the information provided changed from the beginning of this process, I was told I would need to pay {$500.00} for an appraisal as a condition precedent to closing. Upon inquiring about this, XXXX XXXX emailed me saying I had to go through a different program because of a decline in my income. I found this very disturbing as my phone call prior to leaving town was explaining to him why my income increased so much over the past year with specific reference to the documents provided to Rocket Mortgage. My income did not decline, it increased. 
Quicken should have changed its name to Racket Mortgage instead. This ordeal was worse than buying a car from a used car salesman. Every time I turned around the terms were changing, " expiring '' or more information was needed, most of which had already been provided.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed several accounts for big inaccuracies and only one account was removed for only one bureau while there are more inaccurate accounts, besides, investigation is taking so long and the bureaus haven't sent any response.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I closed my HSBC Online Payment Account in 2018. There was somewhere between $ 100- {$200.00} in my account at the time. Before closing the account, I updated my address to my current address. 

HSBC never updated my account and never sent the check for the closed amount. 

I have tried to resolve this with HSBC 5 separate times. Each time, after 30-45 minutes on the phone, they promise to send the check. 

They have effectively stolen these funds at this time. I am beyond upset.
Consumer complaint received 2021-09-06
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. (SC)

Experian refuses to truly dispute any credit report inaccuracies for me. I paid a bill on XX/XX/21 and disputed the information with all 3 bureaus. XXXX  and XXXX  have updated their records but Experian refuses to do so even though I attached a payment receipt.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wilber and Associates, P.C. (MD)

To whom it may concern : I received a notice from XXXX XXXX XXXX saying that on XXXX XXXX, XXXX, their client alleged that while I was leaving a parallel parking space on a XXXX XXXX, I backed into their vehicle and fled the scene. XXXX alleged that their client took their vehicle to the claims adjuster and they adjudicated the claim in the amount of {$130.00}. 

When I called to inquire about the allegation, XXXX claimed that their client had a video of the alleged incident. In complete disbelieve that XXXX alleged that my vehicle caused {$130.00} worth of damage to their clients vehicle, I requested, in good faith, to view or receive a copy of the video to determine that it was indeed my vehicle responsible for the incident -- XXXX, over the course of XXXX months, neglected to communicate with me nor send a copy of the video. 

In XX/XX/XXXX, having received no communication from XXXX, I wrote them via their web portal requesting them to dismiss the claim. The company, again, did not respond to my inquiry and instead sent my case to collections.
Consumer complaint received 2021-09-07
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (PA)

In light of my new understanding of consumer laws, I've discovered that Mohela is in violation of the law when it comes to my consumer report. They are in violation of the following US Codes : 15 U.S. Code 1681 ( 2 ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 ( 2 ) ( iii ) : communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( No disclosures were given ) 15 U.S. Code 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( I was never given the option to Opt-Out )
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW.. The fraudulent accounts were removed from my credit report and recently back opened without method of verification and XXXX the fraudulent information to my credit report. I sent letters to the XXXX credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within XXXX days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

i filed a complaint against experian here with the CFPB file # XXXX which was forward to Experian, and Experian responded since CFPB is a 3rd party they cant file the dispute, it has been almost 2 months since then, they requested my drivers licence which they have it already on file i gave it to them when i disputed this item, so they sent out this letter to CFPB and to me this is a stall tactic Experian is using so they should n't have to make a dispute, i need this to be removed from my report since Experian has no reason not to initiate my dispute, because Experian knows that i was the one to  dispute this item on my report its very clear that Experian is playing games, who ells wants this item off my report if not for myself? and Experian knows that i sent in the dispute, its been more then 30 days to investigate i by law Experian needs to remove this item from my report
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

I 've submitted requests and financials to Ocwen Loan Servicing for a mortgage modification several times. I spoke with the relationship manager that was handling my account and he assured me my request was being processed. Ocwen foreclosed on my property during the process, I did n't receive a denial letter from Ocwen stating that my modification request was denied or they were moving forward with the sale of my property. The property foreclosure sale letter I received from the foreclosure attorney was dated XX/XX/2015 stated the foreclosure property sale would be held XX/XX/2015. It is a misdemeanor in the state of Tennessee for the mortgage company and foreclosure attorney not to give a 30 day notice prior to foreclosure. I want to keep my house. I still reside in the property.
Consumer complaint received 2017-09-28
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: Onity Group Inc. (MA)

On XX/XX/XXXX an electronic payment was made to Ocwen Loan services in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to Owcen loan services asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.