davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

I filed a complaint with cfpb against Ocwen and was led to believe that cfpb would pursue that company and make them repay monies they illegal took from an Escrow account. I was told by cfpb that I would have a response by XXXX/XXXX/15. It is now XXXX/XXXX/15 and I have not heard from either. 
I guess you guys just accept complaints and do nothing about them. Just another new, but not novel bureaucracy to inspire hope but deliver exasperation. 
Thanks a lot people for putting my taxpayer dollars to good use, once again. 
Case # XXXX XXXX
Consumer complaint received 2016-10-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AZ)

Ca n't find out who was the custodian of our payments made to loancare by the trustee. The loan was transferred XXXX XXXX however payments were still sent to loancare until XXXX XXXX. Mortgage payments errors were not reflected. Sent request to the company for account statements. Never received any statements since XXXX XXXX, XXXX.
Consumer complaint received 2016-04-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I got behind on mortage payments. 
and I sent all information that the mortage company requested and received a repayment plan that I could not afford because they used my fathers income and he does not help or live at this residence. I was told by them Carrington to do a Quit Claim Deed I did so I could submit paper work only for me and I sent them a copy they have on file because I called them to check if received.So now I have received XXXX calls and XXXX letters telling me I have to send in information for my dad even though I did the quit claim deed. 
I have given these people everything they have asked for.I have a XXXX counselor who has faxed everthing to them. I am not trying to loose my house.Now I was told to fax in a request for a loan assumption package I do n't understand it 's like they do n't care if you have done everything they asked and in time.
Consumer complaint received 2015-09-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

I just got scammed, I had received a couple calls from an XXXX XXXX phone number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ) & XXXX/XXXX/15 ( XXXX ) stating I was approved for {$2000.00} and I even asked them and was approved for {$5000.00}, so all I had to do to get my loan was transfer the first payment of {$260.00} through MoneyGram to a XXXX XXXX in IL United States with no account info and would email me the confirmation # when it was transferred into my account and never emailed me a confirmation or text me when the money was in the account ; they ended up calling me back to ask if I was at the MoneyGram location and would help me thru it and I 'd get the money as soon as 30 minutes and as late as XXXX on XXXX/XXXX/15. The whole process took me an hour and half from work. I get a call when I got back to work saying the US government needs me to pay the taxes of {$420.00} ; that they deposited the money into my account but it was on hold from the government until I pay the {$420.00} but I 'll get it back ; I should 've known it was a scam because why would I pay out money if I did n't have money and was borrowing money and then pay out money again then they 'd give me my money, so now I 'm out {$270.00}. I finally went thru my bills last night and totaled up all I have due with store cards and all and it totaled {$4000.00} plus over an {$800.00} water bill from when we had the leak in the water pipe, I had a vet appointment for {$130.00} and I had borrowed the {$260.00} from a friend for the down payment thinking I 'd get the money back right away. I found this website : XXXX
Consumer complaint received 2021-06-05
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. (CA)

There are two accounts on my credit report that do not belong to me I have tried disputing these with the bureaus and the frnsihers since 2019 and nothing I mean nothing is being done or said!!! I need help please this is identity theft and nobody cares to address it!! 

Account Name : XXXX Account Number : XXXX AMT {$1200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX AMT {$310.00}
Consumer complaint received 2017-05-01
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have disputed with both  Portfolio Recovery Associates  and the credit bureaus for these accounts listed on my credit report by  Portfolio Recovery.  I requested debt validation from this company ( see attached ) and they were not able to provide me a summary of ALL account activities, nor did they prove that the statute of limitations had not expired for the accounts they are reporting. Additionally, they did not provide copies of any papers that show I agreed to pay what they say I owe that bears my original signature.     This company is a third party collection agency and is reporting that the accounts had terms of 1 month. I have NEVER did any business with this company, nor have I ever signed any contracts with them ; the reporting of this is in violation of my consumer rights ; this is inaccurate. My initial correspondence with them was a dispute. During the dispute process, they should have ceased all collection activity ; however, I received a letter from them again regarding payment. The documentation sent to my by the company ( see attached ) in no ways validate this debt as mine.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Williams & Fudge, Inc (FL)

I currently have a student loan in collections that has a balance of $ XXXX.When i called the collection agency Williams and Fudge Inc.they gave me a settlement offer of $ XXXX.Is it legal to charge over three times the balance? I would like to pay off the full balance but i feel that {$5700.00} is a bit excessive .Do i have any options in this matter?
Consumer complaint received 2017-02-28
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I had a XXXX student loan with citizens bank, it had been turned over to collection when they were not able to reach me so the gave it back to citizens who in turn just took the funds directly out of my checking without sending me any final notice. They said because it was in my original disclosures when I received the loan back in 2012 they are under no obligation to send me a final notice or warning of action. 

Now I am experiencing a financial hardship because they have taken most of my funds and I am unable to meet my other financial obligations. 

If they sent me a notice stating you have until XXXX XXXX, or we will take the full amount from your account I would have reached out to them. Instead I find out when I check my bank account.
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (NC)

For a number of years I have been trying to refinance my mortgage with BB & T bank at a lower interest rate in order to lower my mortgage payments to help me and my family to pay more on our high credit card debt. Despite my excellent payment history with BB & T in regards to mortgage and other loans with them, they refuse to offer me a mortgage at a lower interest rate stating that my credit score is too low and that my outstanding commercial loan balances XXXX credit card debt ) is too high. This has been very frustrating for me as I realize that the answer to me improving my credit score is to lower my outstanding commercial debt. But it is difficult for me to accomplish this at my current mortgage interest rate.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I applied for a Discover it Miles card, my application number is XXXX. I was denied based on " Status Of Existing/ Prior Discover Card Account " that was satisfied due to the fact there was a security deposit on the card and because of my credit report. 

I gave you an application that you will turn into a receivable, sell on the secondary market, and make all your money. Even though on page XXXX of Risk Factors on your XXXX PROSPECTUS DATED XX/XX/2022 you specifically state, and I quote We do not currently intend to apply for listing of the notes on any securities exchange or to include the notes in any automated quotation system. I gave you an application that you will turn into a receivable, sell on the secondary market, and make all your money. I gave you my Social Security number and now you're acting as power of attorney and fiduciary on my behalf. 

Another thing I found on page XXXX of your prospectus as it states XXXX scores are based on independent, third-party information, the accuracy of which we can not verify. My credit score isn't a factor in whether I was approved or denied.
Consumer complaint received 2021-06-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: First Texas Auto Credit, Inc. (NY)

On XX/XX/XXXX Texas Auto Credit have threaten to repossess my vehicle and harassed closed friend and family over a my XXXX XXXX XXXX XXXX. I was also threaten that the vehicle would be removed from me even when I shared medical and personal reasons for the use of the vehicle ; then I made it very clear of my financial situation due to the current pandemic and I was still denied for this vehicle. Also, to my understanding according by federal law that if a firm/company is caught taking cash in a credit sale is illegal ( Title 15 usc 1601, 1602 & 1605 ). I have already paid {$8900.00} toward this vehicle towards illegal activity. 
The constant harassment calls to me and my family and friends has become very heavy on my family and I.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and consequently nothing to collect and/or charge off. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2015-10-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (IL)

I have been traveling out of the country for some time. Now upon returning, I need a copy of my credit report in order to secure an apartment in the US. Obviously I want to have the apartment available to me by the time I arrive, so I have someplace to go to immediately. However : XXXX says citizens can only apply for a credit report from inside the US. This is ridiculous. I need a credit report now, and as long as I enter my valid personal data, what difference does it make WHERE I 'm accessing the internet from? 

Why ca n't I get my credit report from outside of the US? ( And calling does n't help, as that takes two weeks and can only be mailed to an address inside the US! )
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

Subject : Discrepancy in Credit Card ( Hilton honors card ) Rewards Program I am writing to express my disappointment and frustration regarding a recent issue with my credit card rewards program. On [ XX/XX/2023 ], I received a promotional offer in the mail stating that I would earn bonus points for registering my new credit card. Excited about the opportunity to earn rewards, I promptly registered my card as instructed. 

However, upon reviewing my account statements, I noticed that the promised bonus points were not credited to my account. Concerned about this discrepancy, I reached out to your customer service department for clarification. To my surprise, I was informed that I am not eligible for the bonus points despite meeting all the requirements outlined in the promotional offer. 

This inconsistency in the rewards program is both misleading and unfair. As a loyal customer, I expect transparency and integrity in all communications and transactions with your company. I fulfilled the terms of the offer in good faith, and it is disheartening to be denied the rewards that were promised to me. 

I kindly request that you review my account once again and honor the promotional offer that was extended to me. Additionally, I would appreciate clarification on why I am being denied the bonus points despite meeting the specified criteria. 

I trust that you will address this matter promptly and provide a satisfactory resolution. Your attention to this issue is greatly appreciated. 

Thank you for your time and assistance. 

Sincerely,
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

When the pandemic started last year (XX/XX/2020) I contacted Capital One to request the deferment of my payments- due to COVID-19 and job-loss. Capital One was very nice and agreed to defer all my payments for 6-months, they also told me that I would not need to make any payments and that they would not report any late payments on my credit reports. Fast forward to today, and Capital One is reporting several late payments on my credit reports. They said that they would not report late payments but, they did, this is not right! I am trying to buy a house and their late payments are stopping me from being able to get a mortgage. Please help me get these late payments removed, per our original agreement.
Consumer complaint received 2020-06-01
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: LEXISNEXIS (OH)

There are inquiries on my account that I did not I intitate. Someone have stolen my identity. These inquiries needs to be removed immediately. The FCRA requires all inquiries to be removed if the creditors and credit bureaus doesnt have proof. Not only the creditors, the bureaus as well. Please remove all inquiries that have no proof or I will sue you all for assisting in fraud and identity theft.
Consumer complaint received 2016-06-10
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Receivable Recovery Services, LLC (CA)

This company, RRS, LLC called me multiple times using different numbers ( XXXX ) XXXX and ( XXXX ) XXXX with the same call back number ( XXXX ) XXXX. It was a recorded message stating that this was in regards to a legal matter. I should have researched the number before I called back. Big mistake on my part! I called the number XXXX/XXXX/XXXX and requested this company never call me again. I also told them I was reporting them to DoNotCall.org. I have already reported the first number. The comment was that this company works with them. First of several more lies to come. The man I spoke to is XXXX XXXX. He was very evasive and rude. I asked him to please tell me what this was about several times. He would mumble his words ; and when I would react and say " excuse me '', he would keep telling me to stop interrupting him. He then accused me of being rude and told me to stop talking to him like he was my husband, child, girlfriend, boyfriend or fiancee. He first said he was tasked to find me regarding fraud and that my parents were looking for me. The second lie. My only living parent knows right where to find me. He told me I am being charged with fraud in the State of XXXX. Third lie. I have not lived there in 13 years. The case number the message referred to covered about XXXX people, all of which he disclosed to me since I would not tell him my name. This was a trick to try and get my name. When he thought he had the right person, he said that was all he needed to know. Fourth lie. He said I am being charged with fraud for an account from XX/XX/XXXX from XXXX XXXX XXXX. I informed him I have no knowledge of such an account. I never acknowledged anything to him. Not my name, social security number or anything else. I told him I have never defrauded anyone. I also advised him that I am aware that any debt this old is no longer valid since it has exceeded the statute of limitations in any state ( 3 yrs in XXXX and 4 yrs in XXXX ). He said that there is no statute of limitations on fraud. The Statute of Limitations for Fraud in both XXXX and XXXX is 3 years. He rudely called me ignorant. I informed him I was not ignorant ; or I would not have known about statutes of limitations. He clearly does not know the meaning of this word. The last thing he said was " I will see you in court ''. I hung up at that point.
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ID)

Hello CFPB, My PayPal Account was limited for no reason and told me they would be holding my money for 180 days ( XX/XX/2021 ). Its now XX/XX/2021 and 180 days has already passed. I have multiple accounts with PayPal and sadly they are still holding my money despite telling me I could withdraw my funds after 180 days. They also sent me an email I could now withdraw the funds but won't let me add a bank account to transfer them. PayPal Accounts/Email seen below : XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (WI)

I had a cell phone account with XXXX and after being improperly billed and receiving a monthly bill of around {$800.00} in inaccurate charges I contacted them. They cleared the account balance and I then proceeded to move to another cell phone provider. I found a charge of {$430.00} on my credit report and I can not get anyone to resolve this issue. They told me that because the account is in collections there is nothing that they can do. I had a zero balance when I closed the account from XXXX.
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ProCollect, Inc. (TX)

Every call with the collector has been rude and abrupt. I have made an attempt to make a partial payment online which I was later told would not go through. i was told that I could not qualify for settlement because the balance was less than {$500.00}. I was told I could make payment in full for deletion because I was calling a day later than when the deletion was offered. I was also told the only payment that could be taken today was for the full amount not for the partial amount. I am certain there are XXXX complaints about this same agency. They make no effort to communicate appropriately or to actually get the debt paid. I would think that paying something is better than not being allowed to pay anything.
Consumer complaint received 2015-03-28
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (TX)

I 've had the AMEX XXXX card for seven years and it 's always been a nightmare of an experience when things go wrong. Customer service refuses to admit to mistakes and refuses to correct them. They blame the " computer '' and act like they have no way to help if the computer does n't allow it. 
My story started with a late fee. My payment due date was on a weekend and I had previously set up autopay for situations like this when I may not be available to make the payment in full manually. I was surprised when I saw the late fee and immediately paid my balance and called to see if I could have the late fee removed. It was a {$26.00} late fee assessed on an existing balance of {$39.00}. I explained that I 'd had the card for 7 years and never been late XXXX and the rep agreed and submitted a request to have the late fee removed. The system denied it. He was unable to or unwilling to tell me why it was denied. I spent an hour on the phone with an account supervisor and then an account manager. They were all rude and unhelpful. Fuming I went online to my account to set up autopay so this never happened again. This is when I noticed that I HAD already set up autopay, all my bank info was there and accurate, autopay was just turned off. So I called American Express back and explained that I would n't have a late fee if they had n't turned off my autopay. The rep submitted a request and told me that the request went through and I should see the amount post to my account in the next 2-3 business days. 2 weeks later I check my balance and notice that there was no such credit. I called American Express again. This time I talked to the rudest rep of all who just kept telling me that the late fee was a valid charge and there was nothing he could do about it. Sensing I was getting nowhere with this guy and tired of his rude attitude that was making me angry I asked to speak to a supervisor. After 10 min more a supervisor got on the phone and I spend 5-10 minuted rehashing all the details of my problem. She said that all she could do was again try to submit a request to the system to remove the late fee but gave no guarantees. She put me on hold and came back 5 min later saying that the system denied my request. She was also unable or unwilling to tell me why. At this point I gave up, told her that my experience with them had been terrible and I was a extemely unhappy customer. The fact they claim their system is so ridgid and in no case can they override its parameters is utterly unbelievable. I know they can, they just refuse to. I 've had worse account history with mastercard and visa accounts that HAVE reimbursed me for late fees when I call in. I 've said that I would never use this card again before and then been suckered into using it because XXXX ONLY accepts americanexpress for some reason. However this time I shredded the card and all my AMEX cards. I will go to great lengths to not use AMEX anymore. They are a terrible terrible company.